The Delaware Credit license

18 Del. C. 1705(a) asks a resident individual applying for a license to pass a written examination unless exempt under 1709, and it is the only examination on this site that tests insurance ethics as a subject in its own right, "as established by the Commissioner", alongside the lines applied for and general insurance knowledge. 1706(a) is the closed list of what the Commissioner must find before approving the application: at least 18 years old, no act that is a ground for denial under 1712, the fees under chapter 7 paid, the examinations passed unless specifically exempted, and a residency test Delaware writes more tightly than anybody else. No course is in it. The score keeps for 12 months under 1705(e), and 1705(d) puts no cap on how many times somebody may sit it. That residency test is 1706(a)(5), and it is worth reading before renting an address: an applicant for a resident producer license must either be a Delaware resident or work for a business entity licensed to conduct the business of insurance in Delaware that maintains a physical location here open to the public and conducts business from it. The subsection then says in terms that registered agent services and a Delaware post office box do not establish it. Read 1709 rather than the word limited in this line's own name. Delaware excuses three limited lines from the examination by name, at 1709(d), (e) and (f): travel, automobile club and self-service storage. Credit, the pre-arranged funeral line and the bail agent are not among them, so the general requirement at 1705(a) reaches all three. Two documents disagree about whether this line is examined and the disagreement is worth reading before booking anything. 1709 excuses travel, automobile club and self-service storage by name and stops, which leaves credit inside 1705(a)'s general requirement. The Department's own licensing procedures then annotate exactly two of the five limited lines as needing an examination from its vendor, Life (Pre-Need Insurance) and Title, and credit is not one of them. Delaware's examination vendor publishes eighteen papers and none of them is credit. What the Code does put on this line, at 1706(h), is a duty on the insurer rather than on the applicant: every insurer selling limited line credit insurance must give a program of instruction to the people who will sell it, and the Commissioner may approve that program.

Read at delcode.delaware.gov on 2026-08-16

18 Del. C. 1709(a). Somebody previously licensed for the same lines of authority in another state completes neither prelicensing education nor an examination. The exemption holds while that other license is current, or if the application arrives within 90 days of its cancellation and the prior state certifies good standing at that point, or the NAIC producer database shows it for the line being asked for.

Read at delcode.delaware.gov on 2026-08-16

18 Del. C. 1709(b). Somebody licensed as a producer, adjuster or appraiser in another state who moves here has 90 days from establishing legal residence to apply as a resident licensee under 1706, written as a duty rather than an option. No prelicensing education or examination is required for a line of authority previously held in the prior state except where the Commissioner determines otherwise by regulation.

Read at delcode.delaware.gov on 2026-08-16