Here's an overview of the general process and considerations involved in obtaining a property and casualty license in Illinois with a felony:
1. Initial Eligibility:
- An individual with a felony conviction may be able to apply for a property and casualty insurance license if they meet the general eligibility requirements, which typically include:
- Being at least 18 years of age
- Being a resident of Illinois
- Having a valid Social Security number
- Passing the required pre-licensing education courses and examinations
2. Licensing Application Process:
- When applying for the license, the individual will need to disclose their felony conviction on the application form. They may be required to provide additional information or documentation related to the conviction.
3. Background Check:
- As part of the licensing process, the Illinois Department of Insurance (IDOI) will conduct a background check on the applicant, which will include a review of their criminal history. The IDOI will assess the nature, severity, and relevance of the felony conviction to the insurance industry and the individual's suitability to hold a license.
4. Licensing Decision:
- Based on the information gathered during the background check and the applicant's qualifications, the IDOI will make a decision on whether to issue the insurance license. The IDOI may consider factors such as the age of the conviction, the individual's rehabilitation efforts, and their overall character and financial responsibility.
5. Conditional License or Denial:
- In certain cases, the IDOI may issue a conditional license that includes restrictions or limitations on the individual's activities as an insurance agent or broker. Alternatively, the IDOI may deny the license application if it determines that the individual's felony conviction poses a significant risk to the public or the insurance industry.
It's important to note that the specific criteria and requirements for obtaining a property and casualty license in Illinois with a felony may change over time, and there may be additional considerations based on the specific circumstances of the individual's conviction. For the most up-to-date and accurate information, it's advisable to consult the Illinois Department of Insurance (IDOI) or consult with a qualified insurance professional.
