North Dakota Insurance License Requirements: Your Complete Guide
Navigate North Dakota's insurance producer license requirements. Learn about pre-licensing education, exams, application steps, fees, and renewal process for all lines of authority in ND.
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To get a North Dakota insurance producer license, applicants must finish pre-licensing education, pass the state exam, apply via NIPR, clear a background check, and get approval from the North Dakota Insurance Department (NDID).
Quick Answer: Becoming a Licensed Insurance Producer in North Dakota
The North Dakota Insurance Department (NDID) governs insurance producer licensing. The NDID sets all licensing requirements.
The process involves these steps:
- Complete state-approved pre-licensing education for your chosen line of authority.
- Pass the North Dakota state licensing exam with the approved vendor.
- Submit a license application through the National Insurance Producer Registry (NIPR).
- Complete a fingerprint-based criminal history background check.
- Receive your license from the NDID after approval.
Core Requirements for North Dakota Insurance Producer Licensing
Who Must Hold a License
An "insurance producer" is anyone who sells, solicits, or negotiates insurance contracts. Check with the NDID for the exact definition and the full scope of activities that require a license.
Some individuals may be exempt:
- Clerical or administrative staff who only quote rates or process paperwork, without selling, soliciting, or negotiating.
- Certain salaried insurer employees who do not receive commissions.
- Limited lines producers acting only within their authorized scope.
- Individuals performing specific claims adjusting functions (consult the NDID for details).
Sources & Verification (6)
- A BILL for an Act to amend and reenact section 12-60-24 of the North Dakota Century Code, relating to criminal history record checks.
- McCarran-Ferguson Act (15 U.S.C. §1011 et seq.) — reserves insurance regulation primarily to the states; producer licensing is state-administered.
- Dodd-Frank Title V, Subtitle A — Federal Insurance Office (FIO) established within Treasury for monitoring and international coordination.
- Gramm-Leach-Bliley Act (15 U.S.C. §6701 et seq.) — Title III privacy/safeguards rules apply to licensed producers handling nonpublic personal information.
- NIPR (National Insurance Producer Registry) — centralized electronic licensing for resident and non-resident producers across all 50 states.
- NAIC Producer Licensing Model Act — uniform framework adopted (with state variations) governing pre-licensing education, exam, CE, and reciprocity.
Last verified: June 7, 2026
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- Annuity Suitability & Best Interest Compliance GuideThe 2020 NAIC Suitability in Annuity Transactions amendments are now law in 40+ states. This is the working reference.