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Real-Time License Verification for Agents and Agencies

License verification is a critical compliance requirement in the insurance industry. Every state mandates that you verify agent licensing before they can bind, endorse, or renew policies on your behalf. Turris automates this process, helping you avoid substantial fines while streamlining your compliance workflow.

Read the step-by-step guide below or check out the video walkthrough. 

Why License Verification Matters

Regulatory Requirements:

  • States require license verification before any policy transaction
  • Violations can result in significant fines
  • Applies to binding, endorsing, renewing policies
  • Required when paying commissions

Traditional Challenges:

  • Manual verification is time-consuming
  • PDF licenses become outdated quickly
  • Reactive rather than proactive checking
  • High risk of human error

Checking License Status at the Agency Level

Step 1: Access Agency License Information

  1. Navigate to the specific agency profile
  2. Click on the Licenses tab
  3. View comprehensive licensing data

Step 2: Review License Details

The license view shows:

  • Licensed States: Where the agency can operate
  • Product Authorization: Which products they can sell
  • License Class: Type of license held
  • Lines of Authority (LOA): Specific permissions
  • Expiration Dates: When licenses need renewal
  • Compliance Status: Whether requirements are met

Step 3: Identify Compliance Issues

Problem indicators include:

  • Missing License: Shows specific license type needed
  • Wrong License Class: Incorrect license for product type
  • Expired License: Past expiration date
  • Missing LOA: Lacks required lines of authority

Verifying Individual Agent Licenses

Step 1: Navigate to Agent View

  1. From the agency profile, access the agent list
  2. Click on the Licenses tab for agents
  3. Select individual agents to review

Step 2: Understand License Status

Common scenarios you'll encounter:

Fully Licensed:

  • Shows valid license for state
  • Correct insurance producer license
  • Proper lines of authority (e.g., Property & Casualty)
  • Active expiration date

Missing Data:

  • NIPR confirms NPN exists
  • No license data available
  • Requires follow-up with agency

Wrong License Type:

  • Example: Life & Health agent trying to sell P&C products
  • Shows specific LOA mismatch
  • Clear indication of what's missing

Step 3: Review Detailed Information

For each agent, you can see:

  • License number
  • All lines of authority held
  • Expiration dates
  • States where licensed
  • Compliance status by product

Global License and Compliance View

Accessing the Overview

  1. Navigate to License and Compliance section
  2. View all agencies at once
  3. See high-level metrics

Understanding the Global View

The overview displays:

  • States Licensed: Total count per agency
  • Resident State: Home state designation
  • Agent Count: Number of agents per agency
  • Quick Actions: Direct links to detailed views

Drilling Down from Global View

  1. Click on any agency for details
  2. Access agent lists directly
  3. View license counts and status
  4. Identify agencies needing attention

Agent List Analysis

Comprehensive Agent View

Access shows:

  • Total states where licensed
  • Resident state information
  • Individual compliance status
  • Quick identification of issues

Filtering and Sorting

Use the agent list to:

  • Find unlicensed agents quickly
  • Sort by license count
  • Identify expiring licenses
  • Group by compliance status

Real-Time API Integration

Automated Verification

When integrated with your policy administration system:

Transaction-Level Checking:

  • Agent attempts to sell policy
  • System checks license in real-time
  • Instant verification against current data
  • Transaction proceeds or stops based on compliance

Continuous Monitoring:

  • Daily license status updates
  • Automatic expiration tracking
  • Proactive compliance management
  • Audit trail maintenance

Benefits of API Integration

  • Prevent Non-Compliant Sales: Stop unauthorized transactions
  • Reduce Manual Work: No more PDF verification
  • Maintain Audit Trail: Document all verifications
  • Surface Only Problems: Clean transactions proceed automatically

Common Compliance Scenarios

New Agent Onboarding

  • Verify licenses before activation
  • Ensure proper LOAs for products
  • Check all intended states
  • Document verification

License Expiration

  • System alerts before expiration
  • Agency notification process
  • Transaction restrictions if expired
  • Renewal tracking

Multi-State Operations

  • Verify licenses for each state
  • Check product-specific requirements
  • Monitor resident vs. non-resident status
  • Ensure continuous compliance

As always, if you have any questions or something doesn't quite make sense, please reach out to us on our support channels.