Insurance regulations vary dramatically by state — CE requirements, licensing models, trust account rules, and surplus lines taxes are all different. Find the guide for your state below.
24 hours CE · No specific statutory minimum for agents record retention
Texas DOI offers free agent data
24 hours (first 6 years) / 20 hours (after 6 years) CE · 5 years record retention
Two regulatory bodies — DFS and OIR
24 hours CE · 18 months (general); 5 years (surplus lines) record retention
Proposition 103 and prior approval regulation
15 credits CE · 6 years after policy expiration + 6 years after claims resolved record retention
The strictest COI regulations in the country
24 hours CE · Not specifically codified for agents; 2 years for premium finance records record retention
Home to Progressive and Nationwide headquarters
24 hours CE · 5 years record retention
PFTA certification at every renewal
24 hours (standard); 20 hours (20+ years experience, effective 2026); 12 hours (professional designation holders) CE · 5 years record retention
2026 CE reduction rewards experienced agents
24 hours CE · 7 years record retention
Longest record retention requirement: 7 years
24 hours CE · 5 years record retention
The NC Rate Bureau — state-managed rates
24 hours CE · 5 years for P&C records; no statutory requirement for Life & Disability records record retention
Strictest trust account rules + most tech-forward market
More states coming soon. Email [email protected] to request your state.
Genuine regulatory reference content — not marketing fluff.
Official name, website, phone number, and what makes each state's regulator unique.
Hours, cycle length, ethics requirements, and unique state-specific mandates.
Producer vs. broker-agent vs. separate agent/broker — and what it means for your business.
Fiduciary requirements, commingling policies, and which states are strictest.
How long you must keep records — ranges from 5 years (CA) to 7 years (PA).
Step-by-step guide for launching an independent agency in each state.
Modern agency management for independent agents in any state. $99/month flat. No per-user fees. No contract.
Create your free account30-day free trial · $99/month after · No contract
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