License & appointment validity
Every producer's license and each carrier appointment are verified active in every state where business is written, with no gaps.
The most rigorous producer licensing compliance service a carrier, MGA, or agency can use.
Producer Licensing & Appointment Compliance Engine delivers a documentation-complete, AI-native managed service that keeps every producer licensed, appointed, and CE-current in every state — with licensed compliance analyst review only at judgment chokepoints. No lapses, no fines, no spreadsheet risk.
Every state & line of authority trackedAppointment, renewal, termination & CE reconciliationNIPR · state DOI · CE provider data sourcesLicensed analyst review at judgment chokepoints5-business-day SLA
Why compliance fails
A single lapse can stop commissions and trigger fines.
Insurance distribution runs on a licensing substrate that is enormous, recurring, and error-prone. Over 2 million licensed individual producers and 236,000 business entities must be licensed in each state where they sell, appointed by each carrier they represent, kept current on 20–24 hours of continuing education every two years, and renewed on staggered state cycles. Miss any one and the producer cannot legally sell — commissions stop and fines start.
Spreadsheet-based shops hit only 67% on-time renewals. Even dedicated compliance teams struggle with 51 divergent jurisdictions, each with its own rules, deadlines, and forms. The result: unlicensed-activity exposure, regulatory fines, and slow onboarding that costs revenue.
Producer Licensing & Appointment Compliance Engine exists to close that gap with a single, exhaustive standard applied identically to every producer-state combination.
67%
on-time renewal rate for spreadsheet-managed producers vs. 92% with dedicated compliance platforms
The benchmark
Measured against every state's licensing requirements — statute by statute.
We do not summarize the law and hope. Every producer-state combination is scored against a versioned rule pack tied to the exact text of each state's insurance code and the NAIC Producer Licensing Model Act. These are the provisions each file is held to.
Renewal & termination timeliness
All license renewals, appointment renewals, and terminations are filed within statutory windows, computed deterministically from state rules.
Continuing education reconciliation
CE credits are reconciled against state requirements and provider records; any shortfall is flagged before the compliance deadline.
Form & fee accuracy
Every NIPR or state DOI transaction uses the correct form, fee schedule, and line of authority — verified against the current state filing guide.
Address & name change compliance
Producer address and name changes are reported to every state of licensure within the required timeframe, with evidence of filing.
Disclosure & background screening
Discretionary-action disclosures, 1033 waivers, and background check responses are prepared and filed per state requirements, with licensed analyst review.
How compliance is delivered
Intake to licensed-analyst release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A licensed compliance analyst reviews only exceptions and judgment chokepoints. That order is never reversed.
01
Compliance Gap Scan
Upload your producer roster and current state footprint. We return a free completeness read: which licenses, appointments, CE, and filings are current, and which are missing or at risk.
02
Data ingestion & source verification
As your authorized clerical agent, we pull data from NIPR, state DOI portals, CE provider records, and your internal HR/onboarding systems to build a verified producer-state matrix.
03
Grounded drafting & filing preparation
All renewal, appointment, termination, and change filings are drafted from your validated data and the state-specific rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic compliance gates
License status is verified against NIPR; appointment dates are reconciled; CE credits are matched; renewal deadlines are computed; any discrepancy blocks release.
05
Licensed analyst review
A licensed compliance analyst reviews the exception queue and judgment items (disclosures, background, ambiguous state guidance) and signs the release. High-volume or complex multi-state files route to senior analyst review.
06
Delivery & monitoring
You receive a compliance dashboard, filing evidence log, renewal calendar, and CE reconciliation report. Ongoing monitoring alerts you to any status changes or upcoming deadlines.
The bar we hold
Rigor you can measure.
100%
Analyst-reviewed
No file ships without a licensed compliance analyst signature on judgment items.
5 days
Standard SLA
From complete intake to released compliance pack.
<1%
Critical-defect target
Tracked against a gold-standard compliance library.
3+
Data sources per producer-state
NIPR · state DOI · CE provider · internal HR, every applicable file.
Why Producer Licensing & Appointment Compliance Engine
Built to be the most thorough compliance option a carrier, MGA, or agency has.
Documentation-complete, by design
The deliverable is completeness itself — every license, appointment, CE, and filing accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never give legal advice, contact regulators on your behalf without authorization, or make compliance decisions.
Engagement
Flat fee per active producer per month, plus per transaction. No hourly billing, ever.
Simple, predictable, and aligned with a compliance outcome — not a cut of any commission or premium.
- A free Compliance Gap Scan before you commit — see exactly what is missing.
- One flat monthly fee per active producer-state combination; disclosed pass-through filing fees.
- Optional fixed-fee senior analyst review for complex multi-state or high-volume files.
- Optional Audit Continuity Add-on for historical remediation and regulatory response support.
FAQ
Questions, answered precisely.
Is Producer Licensing & Appointment Compliance Engine a law firm?
No. Producer Licensing & Appointment Compliance Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness and compliance services. It is not a law firm, does not provide legal advice, and does not represent you in any regulatory matter. Licensed compliance analyst review is available and recommended for complex or high-risk files.
Do you contact regulators or file on our behalf?
Only as your authorized clerical agent and only for the specific filings you have approved. We never make compliance decisions or represent you before any regulatory body without your explicit written authorization.
What makes a compliance file 'complete'?
Completeness is defined by the applicable state statutes and NAIC model: license and appointment validity verified, renewal/termination timeliness, CE reconciliation, form and fee accuracy, address/name change compliance, and disclosure/background screening — all resolved or exception-coded. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a released compliance pack. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat monthly fee per active producer-state combination, plus disclosed pass-through filing fees. No hourly billing and no percentage of any commission or premium.
See what's missing before it costs you a fine or a commission.
Start with a free Compliance Gap Scan. Send your producer roster and state footprint and we'll return a completeness read against every applicable state requirement.
Documentation-completeness service · not legal advice · you retain all compliance decisions.