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The North Dakota Prepaid Legal Services Organization license

Prepaid Legal Services Organization

Runs a plan that pays for its members' legal services in North Dakota. The Department issues a certificate of authority for it and the application costs $500. A separate and much lighter license, Legal Expense, covers the person who sells the plan.

Course

None

This license has no pre-licensing course route.

Ways in

1

There is no state exam for this license.

Exam

n/a

Not required on any of the routes below.

Every way to qualify

  1. Route 1 Apply for the certificate of authority

    No state exam for this license

    Plan documents

    • Every contract form the organization proposes to give participants, to enter into with providers, to evidence coverage, and to issue as a group contract to an employer, union or trustee, together with a schedule of rates and any actuarial data behind it.

    and description of the organization

    • A statement describing the organization, its enrollment process, its administrative operations, its cost and quality control assurance mechanisms, its internal grievance procedure, how it proposes to enroll members, the geographic areas served, its offices, the number of providers to be used and the recordkeeping system documenting members' use of benefits.

    and financial condition

    • A statement of the organization's financial condition, with income statement, balance sheet and sources of funds, and a copy of its complaint system.

    N.D.C.C. 26.1-19-04(1): a person may not establish or operate a prepaid legal services organization in this state, or sell, offer to sell or solicit offers for a prepaid legal services plan, without a certificate of authority. The commissioner issues it under 26.1-19-06. There is no examination and no course. N.D. Admin. Code 45-13-01-04 says the same thing from the other end, that an insurance company marketing prepaid legal services must hold this certificate before transacting business here even though prepaid legal service is a product inside the Casualty line at 45-13-01-02(4). The Department prices the application at $500 and asks each year for an audited financial statement, any changes since the application, and a count of complaints by type with their disposition.

    Read at the Department on 2026-08-20

There is no examination and no course for the certificate of authority. No national seller prices a North Dakota product for it.