crs6633
Expert
- 44
For most agents that are licensed in one or two states this tip will not be relevant. For those licensed in multiple states it will be. I've now been an independent agent for 18 months and came from a call center environment where I was licensed and appointed nationwide. Going independent I've now I'm maintaining most of those licenses and adding carriers as well
Cigna and all of their sub headings (Loyal, CHLIC, ARLIC) will not issue licensing fees in states you're appointed in unless you WRITE policies in those states. Which means if you write an underwritten application in WI, and that policy is declined, you will get no commission and they will charge you a state licensing fee of $50. They will not tell you this. It will sit and accrue interest over time and eventually if it happens enough you'll get notified by your up line, not Cigna. It took me a long time with a lot of phone calls and a lot of people in different departments to discover this information.
You're welcome.
Cigna and all of their sub headings (Loyal, CHLIC, ARLIC) will not issue licensing fees in states you're appointed in unless you WRITE policies in those states. Which means if you write an underwritten application in WI, and that policy is declined, you will get no commission and they will charge you a state licensing fee of $50. They will not tell you this. It will sit and accrue interest over time and eventually if it happens enough you'll get notified by your up line, not Cigna. It took me a long time with a lot of phone calls and a lot of people in different departments to discover this information.
You're welcome.