Getting an insurance license in Tennessee

Accident & Health

Sells accident and health insurance in Tennessee. TDCI writes the line with an ampersand and that is the Department's own spelling.

Automobile Club Agent

Sells motor club memberships in Tennessee. The Agent Licensing Section issues it, and the authority it cites is the motor vehicle title of the code rather than the insurance one.

Casualty

Sells casualty insurance in Tennessee, with surety folded into the same classification rather than licensed separately.

Certified Application Counselor Organization

The organization the exchange has designated to certify its own staff and volunteers as counselors. Tennessee registers it separately from the navigator entity, on the same form and with the same duty to provide its people's continuing education.

Certified Application Counselor

Does the same exchange enrollment work as a navigator, as the employee or volunteer of an organization the exchange has designated rather than as a grant awardee. It carries the same federal training requirement and the same twelve hours of continuing education.

Crop Insurance Adjuster

Adjusts Tennessee crop losses. Tennessee sets no examination of its own for it and takes a federal proficiency card instead, which seven other states here also do.

External Review Organization

Reviews a health carrier's refusal from outside it, at the covered person's request. Tennessee approves it rather than licensing it, for $500, and the conflict of interest rules run to six separate people it may not be connected to.

Life

Sells life insurance in Tennessee. One of the seven classifications TDCI issues a producer license for, and one of the six that need no course.

Limited Insurance Producer

Sells one named limited line in Tennessee without sitting any examination. The line is specified on the application rather than by holding a different license.

Navigator Entity

The organization that receives the exchange funding and supervises the individual navigators. It has its own registration, and one of its duties is to provide the continuing education its registrants need to keep theirs.

Navigator

Helps Tennesseans through the health insurance exchange on federal grant money, without selling anything. Tennessee registers rather than licenses the role, and the qualification behind the registration is a federal training program the state neither writes nor approves.

Personal Lines

Sells non-commercial property and casualty insurance in Tennessee. TDCI defines the line in the enumeration itself.

Pharmacy Benefits Manager

Manages prescription drug benefits for a covered entity in Tennessee. The Insurance Division gives it a section of its own on the Department's website, with a licensing rule, a public register, an annual report and a complaint form behind it.

Portable Electronics Vendor

A limited lines license held by the shop rather than by the person behind the counter. One license covers every employee at every Tennessee location the vendor sells from, and the price of it turns on how many of those locations there are.

Property

Sells property insurance in Tennessee, and the classification carries two more lines inside it rather than beside it.

Public Adjuster

Adjusts a Tennessee loss for the insured. It is the only public adjuster license on this site that asks for errors and omissions cover, at $500,000, and its $50,000 bond is the largest figure recorded here for the role, tied with Illinois, Louisiana and Mississippi.

Self-Service Storage Insurance

Lets the owner of a storage facility sell cover on what occupants keep in it. Tennessee issues it as a limited lines business entity producer license, so the applicant is the company, and the counter staff sell under it.

Surplus Lines Agent

Places Tennessee risks with insurers that are not licensed here. It sits on top of a Tennessee producer license rather than beside one, and it expires on the day that producer license expires.

Temporary Insurance Producer

Keeps a Tennessee producer's book being serviced when the producer dies, is disabled or is called up. Nobody applies for it on their own account: every one of the four grounds is somebody else's misfortune, and the applicant is the person left holding the business.

Title Agency

A certificate of authority for the firm that writes title insurance, as opposed to the Title line of authority the individual carries. It costs $110 and the Department's own fee section says in as many words that there is no renewal.

Title

Sells title insurance in Tennessee. It is the only Tennessee line with a pre-licensing course, at thirty hours, and nothing in the statute excuses anybody from it.

Travel Insurance Supervising Entity

Stands behind the travel agents and booking sites that hand out travel insurance without being licensed themselves. It costs $750 to get and $750 every year to keep, on an annual cycle where most Tennessee licenses run two years.

Utilization Review Agent

Decides whether a health care service a Tennessean has been recommended will be paid for. Tennessee certifies rather than licenses it, once a year, and an agent that holds a national accreditation pays nothing while one that does not pays $1,000.

Variable Life and Variable Annuity

Sells variable life and variable annuity products in Tennessee. It is a producer classification in its own right rather than an endorsement on the Life line.

Vehicle Protection Product Warrantor

Backs the warranty on an anti-theft device or similar product sold with a car. Tennessee registers it rather than licensing it, for $515, and the substance of the registration is that somebody else insures the warranty.

Viatical Settlement Broker

Acts for the owner of a life policy in selling it. Tennessee licenses it on the same form and for the same $500 as the provider, and asks the same plan of operation and the same $250,000 of financial responsibility.

Viatical Settlement Investment Agent

Sells the investment side of a viatical settlement rather than the policy side. Tennessee's provider and broker application is an entity form signed by a president; this one asks for a Social Security number and a date of birth, and it cannot be exercised without a contract with a licensed provider.

Viatical Settlement Provider

Buys life policies from the people who own them. The application is a plan of operation, an anti-fraud plan and $250,000 of financial responsibility, and the contracts have to be filed and approved before any of them is used.