Expiration of Appointment — the 48-Month Rule

An expired appointment means immediate loss of all authority it granted. When a licensee's last appointment for a class of insurance terminates, the Department notifies them that eligibility expires unless they are appointed — by the same or any other entity — within forty-eight (48) months. Fail to maintain an appointment for that class during any 48-month period and no further appointment will be granted: the only path back is to qualify as a first-time applicant — pre-licensing education, application fees, and passing the state exam all over again.

Four years unappointed and the clock resets to zero — back to school, back to the testing center.

David quits his appointed P&C job. Five years later he wants to sell auto insurance again — past 48 months, so he must retake the pre-licensing course AND repass the state exam before he can be appointed.