Why Consider a Non-Resident Insurance License
As a Medicare agent, you’re always looking for ways to grow your book of business and expand your earning potential, but what if the opportunity lies outside your home state? Adding a non-resident insurance license is a powerful tool that allows licensed agents to legally sell insurance in states they don’t live in. Whether you’re eyeing snowbird states, helping relocated clients, or expanding your digital reach, here’s why a non-resident license might be your next smart move.
What Is a Non-Resident Insurance License
A non-resident health insurance license allows an agent to sell Medicare Advantage, Medicare Supplement, and Prescription Drug Plans in a state other than where they live. Most states allow agents to apply online through the NIPR (National Insurance Producer Registry) for a streamlined approval process.
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Reasons to Get Licensed in Other States
1. Follow Your Clients Across State Lines
Clients move, especially seniors who relocate for retirement, family, or health reasons. Having a non-resident license lets you retain your clients, continue to serve them legally, and maintain your commissions even after they move.
2. Target Snowbird States
States like Florida, Arizona, and North Carolina have large populations of retirees; many of whom split their time between two states. If you’re licensed in both their primary and secondary residences, it is easier to meet their unique Medicare needs wherever they are.
3. Take Advantage of Remote Selling
With telesales, Zoom, and electronic applications now standard in Medicare sales, geography is no longer an issue. A non-resident license lets you legally market and enroll beneficiaries remotely in multiple states. For agents who are willing to do the work, this can open the door to unlimited expansion.
4. Participate in Cross-State Lead Programs
Some lead vendors or FMOs offer high-quality leads in multiple states. Without the proper licenses, you’ll miss out. A non-resident license makes you eligible for more lead opportunities.
5. Diversify Your Market
Every state has slightly different demographics, plan availability, and competitive dynamics. Getting licensed in new areas lets you provide service in underserved or less saturated markets where you can stand out and grow faster.
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How to Get a Non-Resident License
- Check requirements on NIPR.com.
- Have a resident license in good standing.
- Apply and pay the state-specific fees.
- Submit to any background checks or documentation requests.
- Keep up with CE requirements (some states require additional courses).
Keep in Mind
- Carrier Appointments: Getting licensed isn’t enough, you also need to be appointed by each carrier you plan to offer in that state.
- Marketing Rules: Always follow state-specific CMS and state DOI regulations. What works in one state may not work elsewhere.
- Annual Renewal Fees: Each state has its own renewal process and costs. Be sure to check with each carrier you add to see if they also charge a non-resident appointment fee. tHis helps ensure our investment is worth the cost.
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Think Bigger
As the Medicare landscape becomes more competitive, the agents who think strategically and act nationally get ahead. A non-resident license is an investment in flexibility, client retention, and revenue potential. Whether you’re selling virtually or preparing for client moves, now is the time to consider expanding your footprint beyond your home state.