I've been doing this for awhile and I think I know the answer, but someone I believe to be credible is causing doubt. Does my agency need to have a separate business license in each state we sell in (other than the non-resident license)?
I believe that only if you have a physical presence in each non-resident state to do business will you need a business license for a non-individual entity (DBA, LLC, Corp, etc.).
Depends on what you are trying to do. If you are operating as a business entity and receiving over rides on agents in various states you need your business licensed in some of them but others do not require it. It's a bit of a shell game to find out which are which.