My Insurance License Is Inactive — What Do I Do?

Discovering that your insurance license shows Inactive can be stressful — especially if you’re actively selling, onboarding with an agency, or renewing appointments.

In many cases, inactive insurance licenses are the result of administrative issues, not disciplinary action. But inactive status can still affect your ability to work.

What “Inactive” usually means for insurance licenses

For insurance professionals, inactive status typically means you are not authorized to transact insurance until the license is reactivated.

• The license exists but is not currently active
• You generally cannot sell, solicit, or negotiate insurance
• Carrier or agency appointments may be affected

Common reasons insurance licenses become inactive

• Missed renewal deadline
• Incomplete continuing education (CE)
• Unpaid renewal or late fees
• Voluntary inactive status
• Administrative delays with the state DOI

What to do right now

• Verify your license status with your state Department of Insurance
• Review renewal dates, CE requirements, and fee status
• Pause insurance activity that requires an active license
• Begin the reactivation or renewal process promptly

How long does reactivation take?

Processing times vary by state. Some insurance departments update license status quickly, while others may take several weeks—especially during renewal periods.

Keeping confirmation emails, receipts, and screenshots can help if agencies or carriers request proof.