Do You Need an Appointment with a Carrier in Georgia?
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You passed your insurance exam, you’ve got your license — now what?
If you’re ready to start selling insurance in Georgia, there’s one more critical step you can’t skip: getting appointed by an insurance carrier. It’s not optional, and it’s not just paperwork — it’s a legal requirement.
Here’s what you need to know about carrier appointments in Georgia, and how to make sure you’re set up to sell the right way.
What Is a Carrier Appointment?
A carrier appointment is the official agreement between a licensed insurance agent and an insurance company. It authorizes you to legally sell, solicit, and negotiate that carrier’s insurance products in Georgia.
Without it, you're not legally allowed to act on behalf of the insurer — even if you're already licensed.
Who Needs a Carrier Appointment in Georgia?
If you’re a resident producer licensed in Georgia (Life, Health, Property, Casualty, or a combination), you must have an active appointment from each insurance company you represent.
You must be appointed:
Before selling any policy
Per carrier
Per line of authority (LOA)
You can’t share or transfer appointments between carriers.
Ready to take your Georgia insurance career to the next level?
Explore our guide on getting started with pre-licensing and compliance basics.
Who Files the Appointment — Me or the Carrier?
In most cases, the carrier files your appointment, not you. If you’re joining through a recruiter, agency, or captive insurer, they’ll likely submit the appointment once you're onboarded.
If you’re independent, you’ll work directly with each carrier to request appointment approval.
Still need to get licensed first? Here’s how to enroll in Georgia pre-licensingResources Pre License How Do I Enroll In Georgia Insurance Pre Licensing M Insurance.aceable.com.
How the Appointment Process Works in Georgia
Here's what happens once you're licensed:
The insurance company submits the appointment through NIPR or Sircon.
The Georgia Department of Insurance processes and records the appointment.
You're officially authorized to sell that insurer’s products once the filing is accepted.
Carrier Appointment Fees in Georgia:
Typically $15–$20 per appointment
May be paid by the carrier or passed on to the agent
What Happens If You Sell Without an Appointment?
Selling insurance without an appointment is a compliance violation in Georgia.
It may result in:
Fines or disciplinary action from the Department of Insurance
License suspension or revocation
Voided commissions or denied applications
Even if you’re unaware, you’re still responsible.
Recap: Do You Need a Carrier Appointment in GA?
Yes — 100%.
Licensing is only the first step. Carrier appointments are what authorize you to legally sell specific products on behalf of a specific company.
If you’re working with a recruiter, they’ll likely file your appointment. If you're going independent, you'll handle this directly with each insurer.
Frequently Asked Questions: Carrier Appointments in Georgia
What is an insurance carrier appointment?
An insurance carrier appointment is a state-filed authorization that allows a licensed agent to sell insurance on behalf of a specific insurer. In Georgia, you cannot legally sell without one.
Do all licensed agents in Georgia need a carrier appointment?
Yes. All resident producers in Georgia must be appointed by each insurance company they represent before selling or servicing policies.
Who submits the appointment — the agent or the carrier?
The carrier is responsible for submitting the appointment to the Georgia Department of Insurance, usually through NIPR or Sircon.
Is there a fee for getting appointed?
Yes. Appointment fees typically range from $15–$20 per carrier, and may be paid by the carrier or passed on to the agent depending on your contract.
Can I sell insurance in Georgia without an appointment?
No. Selling without an active appointment is a compliance violation and could lead to license suspension, fines, or loss of commission.
How do I know if I’ve been appointed?
You can verify your appointment status using the NIPR Lookup Tool.
Aceable: Helping You Beyond the Exam
Aceable’s mobile-first pre-licensing courses help you pass your exam — but we also support your next steps. From licensing to carrier appointments, our guides and content are here to help you stay compliant and move forward with confidence.