WARE
######################################################################################!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q
LAWS,
9/24/2026DELAWARE
RULES & REGULATIONS_
LAWS, RULES
Life, &Accident
REGULATIONS_
and Health,
Life,
Property
Accident
andand
Casual
Health,
Insurance.pdfDELAWARE
Property and Casual Insurance.pdf#########
LAWS, RULES & REG
DELAWARE LAWS, RULES &
REGULATIONS: Life, Accident and Health,
Property and Casual Insurance
Producer/Agent - ANS-Agent of Insurer
- Licensed producer appointed by and represents insurer
- Sells, solicits, or negotiates applications and policies
- Able to issue conditional receipts
BROKER
- Licensed producer who represents the insured for compensation
Insurance Producer - ANS--Person required to be licensed to sell, solicit, or negotiate
insurance contracts or annuities
-Insurance agent, insurance broker, and insurance consultant may be used
interchangeable with insurance producer
Limited Producer - ANS-Authorized by Insurance commissioner to sell, solicit, or
negotiate limited lines insurance
- Credit insurance
- life Insurance or annuity products used solely to fund a pre-arranged funeral program
- Travel and accident insurance
- Any other limited lines permitted under state laws
Surplus Lines Broker - ANS--Individual, partnership or corporation
- Aids in negotiating insurance contracts with companies not licensed (unauthorized or
nonadmitted) to transact business in Delaware
Temporary Producer License - ANS-May be issued to surviving spouse, employee, or
other designee if a producer dies, becomes disabled, or enters active military service
- Temporary licenses may not exceed 180 days without requiring a license examination
Commissioner may revoke licenses if the interest of the insureds or public are
endangered
Insurer's Certificate of Authority - ANS-1.For filing application for initial certificate of
authority, including all documents submitted as part of such application-$700
2.Issuance of certificate of authority-$100
3.Annual continuation, including filing of annual statement-$100
######################################################################################!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q
DELAWARE LAWS, RULES & REGULATIONS_ Life, Accident and Health, Property and Casual InsuranceDELAWARE LAWS, RUL
,WARE
######################################################################################!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q
LAWS,
9/24/2026DELAWARE
RULES & REGULATIONS_
LAWS, RULES
Life, &Accident
REGULATIONS_
and Health,
Life,
Property
Accident
andand
Casual
Health,
Insurance.pdfDELAWARE
Property and Casual Insurance.pdf#########
LAWS, RULES & REG
4.Reinstatement-$100
5.Amendment-$100
Charter Documents - ANS-filing amendments to a certificate of incorporation, articles of
incorporation, charters, bylaws, power of attorney (as to reciprocal insurers) and to
other constituent documents of the insurer $10
License Fees - ANS-Producers and agents
- $75, permanent license (resident and nonresident)
- $25, one-time appointment of agent, each insurer
- $50, resident license renewal
- Due biennially on Feb 28 in even years
- $75, nonresident license renewal
- Due biennially on Feb 28 in odd years
License Fees (cont) - ANS-Brokers
- Permanent License - $75
Consultant
- Permanent License $75
Surplus Lines Broker
- $200, permanent license
Fraternal representative
- $75, permanent license
- $25, one-time appointment of rep in each society
Business entity
- $75, initial license (resident and nonresident)
- $50, resident renewal; due biennially on Feb 28 in even years
- $75, nonresident renewal; due biennially on Feb 28 in odd years
License prerequisites - ANS--Must be at least 18 years old
-Have not committed an act that is grounds for denial, suspension, or revocation
- Paid fees
- Successfully passed examination for lines of authority; Licensees who have taken and
passed the ethics portion of the exam are not required to take it for each new line of
authority
Special Qualifications - ANS--Applicant's criminal history must be obtained from the
State Bureau of Identification
-Every variable annuity producer license appplicant must hold a license as a life
insurance agent and must be registered with FINRA
######################################################################################!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q
DELAWARE LAWS, RULES & REGULATIONS_ Life, Accident and Health, Property and Casual InsuranceDELAWARE LAWS, RUL
######################################################################################!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q
LAWS,
9/24/2026DELAWARE
RULES & REGULATIONS_
LAWS, RULES
Life, &Accident
REGULATIONS_
and Health,
Life,
Property
Accident
andand
Casual
Health,
Insurance.pdfDELAWARE
Property and Casual Insurance.pdf#########
LAWS, RULES & REG
DELAWARE LAWS, RULES &
REGULATIONS: Life, Accident and Health,
Property and Casual Insurance
Producer/Agent - ANS-Agent of Insurer
- Licensed producer appointed by and represents insurer
- Sells, solicits, or negotiates applications and policies
- Able to issue conditional receipts
BROKER
- Licensed producer who represents the insured for compensation
Insurance Producer - ANS--Person required to be licensed to sell, solicit, or negotiate
insurance contracts or annuities
-Insurance agent, insurance broker, and insurance consultant may be used
interchangeable with insurance producer
Limited Producer - ANS-Authorized by Insurance commissioner to sell, solicit, or
negotiate limited lines insurance
- Credit insurance
- life Insurance or annuity products used solely to fund a pre-arranged funeral program
- Travel and accident insurance
- Any other limited lines permitted under state laws
Surplus Lines Broker - ANS--Individual, partnership or corporation
- Aids in negotiating insurance contracts with companies not licensed (unauthorized or
nonadmitted) to transact business in Delaware
Temporary Producer License - ANS-May be issued to surviving spouse, employee, or
other designee if a producer dies, becomes disabled, or enters active military service
- Temporary licenses may not exceed 180 days without requiring a license examination
Commissioner may revoke licenses if the interest of the insureds or public are
endangered
Insurer's Certificate of Authority - ANS-1.For filing application for initial certificate of
authority, including all documents submitted as part of such application-$700
2.Issuance of certificate of authority-$100
3.Annual continuation, including filing of annual statement-$100
######################################################################################!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q
DELAWARE LAWS, RULES & REGULATIONS_ Life, Accident and Health, Property and Casual InsuranceDELAWARE LAWS, RUL
,WARE
######################################################################################!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q
LAWS,
9/24/2026DELAWARE
RULES & REGULATIONS_
LAWS, RULES
Life, &Accident
REGULATIONS_
and Health,
Life,
Property
Accident
andand
Casual
Health,
Insurance.pdfDELAWARE
Property and Casual Insurance.pdf#########
LAWS, RULES & REG
4.Reinstatement-$100
5.Amendment-$100
Charter Documents - ANS-filing amendments to a certificate of incorporation, articles of
incorporation, charters, bylaws, power of attorney (as to reciprocal insurers) and to
other constituent documents of the insurer $10
License Fees - ANS-Producers and agents
- $75, permanent license (resident and nonresident)
- $25, one-time appointment of agent, each insurer
- $50, resident license renewal
- Due biennially on Feb 28 in even years
- $75, nonresident license renewal
- Due biennially on Feb 28 in odd years
License Fees (cont) - ANS-Brokers
- Permanent License - $75
Consultant
- Permanent License $75
Surplus Lines Broker
- $200, permanent license
Fraternal representative
- $75, permanent license
- $25, one-time appointment of rep in each society
Business entity
- $75, initial license (resident and nonresident)
- $50, resident renewal; due biennially on Feb 28 in even years
- $75, nonresident renewal; due biennially on Feb 28 in odd years
License prerequisites - ANS--Must be at least 18 years old
-Have not committed an act that is grounds for denial, suspension, or revocation
- Paid fees
- Successfully passed examination for lines of authority; Licensees who have taken and
passed the ethics portion of the exam are not required to take it for each new line of
authority
Special Qualifications - ANS--Applicant's criminal history must be obtained from the
State Bureau of Identification
-Every variable annuity producer license appplicant must hold a license as a life
insurance agent and must be registered with FINRA
######################################################################################!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q
DELAWARE LAWS, RULES & REGULATIONS_ Life, Accident and Health, Property and Casual InsuranceDELAWARE LAWS, RUL
