The Delaware Fraternal Producer license
Fraternal Producer
Sells, solicits or negotiates life, accident, health and annuity contracts for a fraternal benefit society. Licensed under the ordinary producer chapter, with two exemptions of its own that turn on how much of the agent’s time the society takes.
Course
None
This license has no pre-licensing course route.
Ways in
3
2 of them skip the state exam.
Exam
$90
Required on some routes and not others.
Every way to qualify
More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by sitting the examination or experience.
-
Route 1 Pass the examination
State exam required
18 Del. C. 6233(a) sends agents of societies straight to chapter 17, so the qualification is chapter 17's: 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, and the examinations passed unless specifically exempted. No course is in it. The score keeps for 12 months under 1705(e) and 1705(d) sets no cap on sittings. There is no fraternal paper at Delaware's examination vendor, which follows from 6233(a) rather than contradicting it: the examination is the one for the line the agent is selling, life or accident and health. 6233(a) also carries a grandfather with a date in it: an agent licensed before 1997-01-01 sits no written or other examination. Older doors than this one are still open elsewhere here, Montana's from 1961 and Texas's from 1973.
Read at delcode.delaware.gov on 2026-08-18
-
Route 2 Be a salaried officer or employee who does not solicit
Exempt from the state exam
-
A regular salaried officer, employee or member of a licensed society who devotes substantially all of their services to activities other than soliciting fraternal insurance contracts from the public, and who receives no commission or other compensation dependent on the amount of business obtained
18 Del. C. 6233(b), and it excuses the license rather than the examination: no examination and no license is required of such a person. Both halves have to hold, the substantially-all test and the no-commission test, and it is the commission that usually decides it.
Read at delcode.delaware.gov on 2026-08-18
-
-
Route 3 Devote less than half your time to soliciting for the society
Exempt from the state exam
-
An agent or representative of a society who devotes or intends to devote less than 50 percent of their time to soliciting and procuring insurance contracts for that society
18 Del. C. 6233(c), and it is the only exemption on this site with an arithmetic trap inside it. The test is time, but the statute presumes the test failed on volume: anybody who in the preceding calendar year solicited and procured more than $125,000 of life insurance for a society, or covered more than 25 individuals for any other kind, and was paid for it, is presumed to be devoting half their time to it. So the exemption is lost by writing too much business rather than by working too many hours.
Read at delcode.delaware.gov on 2026-08-18
-
No national seller sells a course for this license. There is no fraternal paper at Delaware's examination vendor, because 18 Del. C. 6233(a) sends the agent to chapter 17 and the examination is the one for the line being sold. What sellers do carry for those lines is on the Life and the Accident and Health or Sickness pages.