Approve P&C Insurance License with Felony

[ARodriguez92345]

Hello everyone,
First off I'd like to say everyone seems educated and helping and I thought I stop here first for information.

I have been an independent auto insurance field appraiser for 3+ years. I want to make that transition towards the insurance side of things. I want to acquire my P&C Insurance License. I recently was incarcerated from 10/2010 - 09/2011 for PC 186.22A, which is a felony. Though it is not related to theft, fraud or anything of that nature, I still feel a little hesitant.

What are the odds that I would get my insurance license approved? What steps to take to get them approved?

Thank you in advance.

 

[FEENIX]

Hello everyone,
First off I'd like to say everyone seems educated and helping and I thought I stop here first for information.

I have been an independent auto insurance field appraiser for 3+ years. I want to make that transition towards the insurance side of things. I want to acquire my P&C Insurance License. I recently was incarcerated from 10/2010 - 09/2011 for PC 186.22A, which is a felony. Though it is not related to theft, fraud or anything of that nature, I still feel a little hesitant.

What are the odds that I would get my insurance license approved? What steps to take to get them approved?

Thank you in advance.

Background Review FAQs



21. How does CDI determine which violations are substantially related to the applicant's license or duties of the licensee?
Pursuant to Title 10, California Code of Regulations, Section 2183.2, 2183.3 and 2183.4, for purposes of denial, suspension, revocation, and/or restriction of a license or license application, in addition to matters specifically mentioned by statute as grounds, a crime or act that is substantially related to the qualifications, functions or duties of an insurance licensee includes, but is not limited to, the following:
(a)Any felony;
(b) Any misdemeanor which evidences present or potential unfitness to perform the functions authorized by the license in the manner consistent with the public health, safety, and welfare, including but not limited to soliciting, attempting, or committing crimes involving the following:
(1) Dishonesty or fraud;
(2) Any conviction arising out of acts performed in the business of insurance or any other licensed business or profession;
(3) Theft;
(4) Sexually related conduct affecting a person who is an observer or non-consenting participant in the conduct or convictions, or which requires registration pursuant to the provisions of Section 290 of the California Penal Code;
(5) Resisting, delaying, or obstructing a public officer in violation of California Penal Code Section 148;
(6) Any act or offense wherein the person willfully causes injury to the person or property of another;
(7) Violation of a relation of trust or confidence, or breach of fiduciary duty;
(8) Conduct which demonstrates a pattern of repeated and willful disregard of law.
(9) Any act which demonstrates a willful attempt to derive a personal financial benefit through the nonpayment or underpayment of taxes, assessments, or levies duly imposed upon the licensee or applicant by federal, state or local government or a willful, failure to comply with a court order.
In considering discipline of a licensee or license applicant, the weight to be afforded to a substantially related conviction may be determined by the application of guidelines including, but not limited to the following:
a) The extent to which the particular act or omission has adversely affected other person(s) or victim(s), including, but not limited to, insurers, clients, employers, or other persons and the probability such adverse actions will continue;
b) The recency or remoteness in time of the act, misconduct, or omission;
c) The type of license applied for or held by the license applicant involved;
d) The extenuating or aggravating circumstances surrounding the act, misconduct or omission;
e) Whether the licensee or applicant has a history or prior license discipline, particularly where the prior discipline is for the same or similar type of conduct.

 

[ARodriguez92345]

@Feenix
Thanks for the response. Actually I am already am familiar with that information, from reading the gov' site so many times.

I am looking more into, what is the reality that they will approve my license? I understand what the guidelines are. But does it seem I would have a chance if I submit an applicaition. I know I'm going to send my 1033 in first for approval. But there is a roughly $130 non-refundable fee. So I just wanted a second opinion before I risk my money.

 

[djs]

In all honesty, I would give it a couple of years prior to trying. If you can afford the $130, then go for it, but if its a push for you, then I would wait.

You have 2 issues. The first is getting your license, the second will be doing anything with it. A lot of carriers hesitate a bit when it comes to felonies. For life and health, it might work but for P&C, its a lot tougher.

I don't want to say it can't be done, just you will have a lot of limitations that might make it extremely difficult to be successful. With a little more time, you can show a pattern of behaviour that will be more likely to be approved.

If you can get the felony reduced to a misdemeanor, then you'll be good. Not sure how long that takes though.

Dan

 

[ARodriguez92345]

@Dan
Thanks for the ugly truth! The employment issue isn't really a burden as of now. Simply because I'm not trying to become an agent or start a home business just yet. I plan to start low, since I'm young (21). Customer service, claims rep etc. I have many connections that would take me in.
The only issue would be the license. I get off probation on 03/2013. I really dont want to wait that long though. It will drop to a misdemeanor.
That is my only crime ever in my life. I'm currently employed. And my crime wasnt fraud, theft, embezzelment or anything. Does that count for anything. The 1033 waiver only speaks of fraudulous acts.

Talk to me...

 

[djs]

If it was fraud, theft, or embezzelment, then it would probably be a NO, don't bother, etc.

Given it wasn't, you stand a chance of a license, with a strong explanation, but I would definitely wait till a year after your incarceration and it would be better to wait till you are off probation.

I consider myself fortunate, I don't really know the answer to this question, simply because I don't have enough experience with it. I know its possible, but yours is more recent than most people ask this question about.

If you can get letters of recommdation from your parole officer, your employer and a few others, it would go a long way. I'm not sure it will get you over the hump, but it would go a long way.

Dan

 

[ARodriguez92345]

@Dan,
Thanks a lot. I will take your advice and wait a year, which is in about 2 weeks Lol.

One last question,
Since my felony isn't in violation of "18 U.S.C. § 1033", would I still have have to submit a 1033 Application.


Thanks in advance

 

[GMANPRO]

If you call the DOI they have licensing specialists that will tell you if it is even worth a shot. Couldn't hurt to talk!

 

[ARodriguez92345]

@GMAN,
I reside in California. I called the 800 number on the website of insurance. The customer service stated they couldn't inform me of any detailed information regarding licenses of any sort.
- - - - - - - - - - - - - - - - - -
I cannot find a number that will lead me to a specialist. Has anyone ever been denied a license because of a felony that isn't located in the "prohibited persons" list? Once that is not related to fraud, theft and that sort?

Thanks

 

[GMANPRO]

@GMAN,
I reside in California. I called the 800 number on the website of insurance. The customer service stated they couldn't inform me of any detailed information regarding licenses of any sort.
- - - - - - - - - - - - - - - - - -
I cannot find a number that will lead me to a specialist. Has anyone ever been denied a license because of a felony that isn't located in the "prohibited persons" list? Once that is not related to fraud, theft and that sort?

Thanks

Sorry for the long delay. Yes, and getting appointed with a company will be a challenge as well.