What disqualifies you from getting an insurance license?

what disqualifies you from getting an insurance license
What You Need to Know BEFORE Applying for the Position of Insurance Producer The Department of Insurance and Financial Services (DIFS) evaluates your responses to various questions on your past as part of the application process. In addition to assessing each applicant’s application, DIFS conducts multiple background checks.

  • Paragraph 1205 of the Code (Resident Producers)
  • In accordance with Section 1206a of the Code (Non-Resident Producers)
  • Paragraph 1239 of the Code (Denial of Licensure)

General Question Background Information Even if someone else completes the application for you, you are responsible for your application and the information given in it. If you respond “YES” to a background inquiry, you must give all the relevant information and documents. DIFS may seek further documents if necessary.

  • If you respond “NO” to a background inquiry when the correct response is “YES,” your application may be refused.
  • Criminal Conviction Details
  • The following convictions must be reported:
  • Felonies, misdemeanors, and/or military crimes.
  • Having a judgment delayed or withheld (commonly seen as adjudication withheld or judgment deferred).
  • Possessing a present or impending criminal offense.
  • Criminal traffic violations
  • A guilty verdict.
  • Offense for which a guilty or no contest plea was made.
  • Offense for which probation was granted
  • Infraction for which a suspended sentence was imposed.
  • Offense for which a fine was issued.

These are the ONLY exceptions:

  • Misdemeanor traffic infractions
  • Juvenile “adjudications.”
  • The court has “set aside” or purged some crimes. This is not a natural process and does not “happen by itself” after five or 10 years. To have a conviction “put aside” or purged, you must petition the court.

If a judgment has been delayed or deferred, we will need proof that you fulfilled the court’s conditions (probation, community service, etc.) as well as the final decision. If you fail to disclose a conviction on your application and one is discovered during your background check, the failure to disclose is grounds for denying your license.

Information Regarding Convictions for a Felony Having a felony on your record may not be grounds for denial of a license; however, neglecting to disclose that you have a felony may be. The following Code provisions pertaining to criminal convictions mandate the REJECTION OF AN APPLICATION, and the REJECTION will be recorded to the NAIC national database.

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WE RECOMMEND THAT YOU DO NOT APPLY FOR LICENSURE IN MICHIGAN IF YOU HAVE BEEN CONVICTED OF A FELONY THAT FALLS WITHIN THESE PARAMETERS. “Having been convicted of a crime within 10 years prior to the filing of the uniform application,” MCL 500.1239(1)(d).2.

MCL 500.1239(1)(e): “Having been convicted of a felony involving any of the following, regardless of the date of conviction: I Violence or threat of violence against an individual, including domestic violence; (ii) Criminal sexual conduct; (iii) A felony of a fiduciary or financial nature, such as fraud, embezzlement, bribery, or extortion.” You may access your Michigan criminal history by visiting the website.

A license denial is also possible under MCL 500.1239(2)(b): “Having been convicted of a crime other than those specified in paragraph (1)(e).” Further information:

  • Felonies do not “disappear” from a person’s record.
  • You can seek to have your conviction erased or set aside without the assistance of an attorney.
  1. If your offense happened in another state, contact the court that issued the conviction.
  2. Administrative Measures Details
  3. The following administrative actions must be reported:
  • Having one’s license revoked.
  • Having one’s license revoked.
  • Having one’s license revoked.
  • A license being revoked.
  • The imposition of a fine.
  • Receiving an instruction to halt and desist.
  • Receiving an order to comply.
  • Receiving an order of prohibition.
  • License surrendering to resolve an administrative action.
  • Participating in an administrative or arbitral proceeding.
  • Violation of any insurance laws or any rule, subpoena, or order of the commissioner or of the insurance commissioner of another state.
  • Denying or revoking an insurance producer license or its equivalent.

*The only exceptions are terminations for failing to comply with continuing education requirements or failure to pay a renewal fee. Administrative actions involving fraudulent, coercive, or dishonest practices, demonstrating incompetence, untrustworthiness, or financial irresponsibility in the conduct of business, or actions involving insurance unfair trade practices, or fraud, necessitate denial of licensure under MCL 500.1239(1)(f) and MCL 500.1239(2).

  • Evidence of ongoing payments
  • Court issued compliance statement.
  • Repayment arrangement revised.

What You Need to Know BEFORE Applying to Become an Insurance Producer

In Ohio, can a criminal obtain an insurance license?

Disqualifying Infractions A license applicant’s criminal record does not automatically preclude them from selection. Before granting or refusing a license, BBS evaluates all felonies and offences involving moral turpitude.

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What is an arrest record? A criminal record or crime record is a summary of a person’s interactions with law enforcement authorities. It contains information about an individual’s arrests, convictions, sentencing, parole breaches, dismissals, and not guilty verdicts.

What disqualifies you from being a Washington real estate agent?

What may prevent me from obtaining a broker’s license in Washington? Even if you match all other requirements for a real estate broker license, a criminal record might prevent you from obtaining one. The Washington State Department of Licensing employs two approaches to delve deeper into the backgrounds of candidates in order to evaluate their character and discover any criminal behavior.

  • Background with the law Each candidate must respond to five criminal history and character evaluation questions, in addition to a sixth question verifying fingerprints.
  • In addition to criminal history, applicants must declare any actions or fines related to other professional licenses or permits they possess.

In addition, pending charges must be reported. Fingerprinting. Since some candidates may not choose to divulge their criminal history, the state requires all applicants to provide fingerprints. The fingerprints are sent to the Washington State Patrol in order to conduct a background check.

  1. In addition, they undergo a nationwide background check by the FBI.
  2. If you have a criminal record, it may be embarrassing to divulge every detail of your history, but the state advises you to do so.
  3. Since fingerprints are also required for a background check, this information will very definitely be revealed regardless.

It will reflect more positively on your character if you have stated and explained the circumstances: What may prevent me from obtaining a broker’s license in Washington?

Criminal Record Disclosure: The Seven Year Rule – Houston Criminal Attorneys General Law People frequently inquire if a felony conviction is removed from a person’s record after seven years. The response is no. Let’s begin by defining what a record is.

Your criminal record is a listing of all of your arrests and convictions. An employer will often use a consumer reporting agency to investigate your background when you apply for a job. The report provided by the agency is not your official criminal history; rather, it is a report of what the agency discovered based on public data.

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The Rule of Seven Years What is the origin of the seven year rule? Federal law prohibits consumer reporting organizations from disclosing arrests older than seven years. Nonetheless, they may disclose a conviction regardless of its age. Therefore, if you are arrested and the charges are dropped, the consumer reporting agency should not mention the arrest if it occurred more than seven years ago.

However, if the arrest leads to a conviction (guilty verdict), the agency may report the information permanently. The seven-year regulation has one significant exception: if you are looking for a job with a salary over $75,000, the agency may still record the arrest. Overall, in the context of criminal history reporting, the seven-year restriction affords applicants with arrests practically no protection.

Keep in mind that a consumer reporting agency cannot disclose private information. Therefore, if a judge expunges your arrest or if you have a Deferred Adjudication that was sealed with Non-Disclosure, the agency cannot publish the arrest regardless of when it occurred: Criminal Record Disclosure: The Seven Year Rule – Houston Criminal Attorneys

How far back do Florida job background checks go?

Level 2 check – The phrase “Level 2 check” is not universally accepted. Some report providers distinguish between tiers of research service packages using phrases such as “Level 1” and “Level 2.” Florida is the only state with a legal need to divide investigations into Level 1 and Level 2 categories.

In Florida, a Level 1 inquiry is a less comprehensive examination. These reports may contain a Florida-specific name-based criminal search, a verification of job history, further local county criminal searches, or sex offender registry checks. A Level 2 evaluation is more comprehensive, encompassing fingerprint-based searches of Florida Department of Law Enforcement records and national FBI databases, as well as more targeted searches of county courthouses or law enforcement agencies for crime record information.

How far back does a Level 2 background check in Florida go? There are no statutes in Florida that limit how far back an employer may investigate a candidate’s criminal history. However, the state adheres to federal legislation, such as the FCRA. The FCRA’s “seven-year rule” specifies that arrests cannot be recorded on any background check after seven years.