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New Mexico Personal Lines Insurance — Requirements & Free Practice

US-NM · License preparation

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Business Entity Insurance Producer — Personal Lines

Business entity producer authority for personal lines, exercised by appropriately licensed affiliated individuals.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Corporate continuation following officer or name changes
New Mexico Personal Lines Insurance
Affiliation
The OSI business instructions require the affiliation form and fees within 30 days after the online application, and affiliations must remain current.
Application
Submit the uniform business entity application, entity information and required fees. A sole proprietorship may not apply for a business entity producer license.
Designated individual examination
Continuation remains subject to 59A-11-10(D): the superintendent may require the personal-lines written examination of an individual exercising license powers if competence is questionable.
Entity change
Within 30 days file the prescribed change application and fees, signed by the secretary or corresponding officer; the corporation may continue pending action on the application.
Legal name
Use the legal entity name or an assumed name previously approved in writing by the superintendent.
Licensed individuals
Every individual exercising license powers must hold the corresponding individual producer authority and be affiliated with the entity.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Responsible producer
Identify at least one designated responsible licensed producer actively licensed in New Mexico; the DRLPs must cumulatively cover every requested line of authority.
Business entity reinstatement after inactivity or surrender
No examination is required for this applicant pathway.
Affiliation
The OSI business instructions require the affiliation form and fees within 30 days after the online application, and affiliations must remain current.
Application
Submit the uniform business entity application, entity information and required fees. A sole proprietorship may not apply for a business entity producer license.
Legal name
Use the legal entity name or an assumed name previously approved in writing by the superintendent.
Licensed individuals
Every individual exercising license powers must hold the corresponding individual producer authority and be affiliated with the entity.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
New application
OSI states that reinstatement of an inactive or surrendered license follows the new-license application process; submit the business application and restore required affiliations.
Responsible producer
Identify at least one designated responsible licensed producer actively licensed in New Mexico; the DRLPs must cumulatively cover every requested line of authority.

Official no-examination sources

Effective from 2025-04-01.

Nonresident business entity licensure
No examination is required for this applicant pathway.
Affiliation
The OSI business instructions require the affiliation form and fees within 30 days after the online application, and affiliations must remain current.
Application
Submit the uniform business entity application, entity information and required fees. A sole proprietorship may not apply for a business entity producer license.
Home license
Hold the corresponding resident entity license in good standing in the home jurisdiction.
Legal name
Use the legal entity name or an assumed name previously approved in writing by the superintendent.
Licensed individuals
Every individual exercising license powers must hold the corresponding individual producer authority and be affiliated with the entity.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Reciprocity
Satisfy 59A-11-24 and reciprocal treatment under 59A-11-23.
Responsible producer
Identify at least one designated responsible licensed producer actively licensed in New Mexico; the DRLPs must cumulatively cover every requested line of authority.
Service of process
Make the nonresident service-of-process appointment and regulatory appearance agreement under 59A-12-25.

Official no-examination sources

Effective from 2025-04-01.

Partnership continuation following membership changes
New Mexico Personal Lines Insurance
Affiliation
The OSI business instructions require the affiliation form and fees within 30 days after the online application, and affiliations must remain current.
Application
Submit the uniform business entity application, entity information and required fees. A sole proprietorship may not apply for a business entity producer license.
Designated individual examination
Continuation remains subject to 59A-11-10(D): the superintendent may require the personal-lines written examination of an individual exercising license powers if competence is questionable.
Entity change
Within 30 days surviving or continuing partners must file the prescribed change application and fees, signed by a general partner, and at least one individual exercising predecessor producer powers must continue in the successor partnership.
Legal name
Use the legal entity name or an assumed name previously approved in writing by the superintendent.
Licensed individuals
Every individual exercising license powers must hold the corresponding individual producer authority and be affiliated with the entity.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Responsible producer
Identify at least one designated responsible licensed producer actively licensed in New Mexico; the DRLPs must cumulatively cover every requested line of authority.
Business entity relicensing after revocation or refusal to continue
No examination is required for this applicant pathway.
Affiliation
The OSI business instructions require the affiliation form and fees within 30 days after the online application, and affiliations must remain current.
Application
Submit the uniform business entity application, entity information and required fees. A sole proprietorship may not apply for a business entity producer license.
Disciplinary resolution
Show that the entity is otherwise qualified and that the causes of revocation or refusal to continue no longer exist and will not recur.
Legal name
Use the legal entity name or an assumed name previously approved in writing by the superintendent.
Licensed individuals
Every individual exercising license powers must hold the corresponding individual producer authority and be affiliated with the entity.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Responsible producer
Identify at least one designated responsible licensed producer actively licensed in New Mexico; the DRLPs must cumulatively cover every requested line of authority.

Official no-examination sources

Effective from 2025-04-01.

Business entity renewal and continuation
New Mexico Personal Lines Insurance
Affiliation
The OSI business instructions require the affiliation form and fees within 30 days after the online application, and affiliations must remain current.
Affiliation review
OSI directs entity affiliation audits before November 1 and payment of affiliation renewal invoices before March 1; maintain at least one affiliated licensee.
Application
Submit the uniform business entity application, entity information and required fees. A sole proprietorship may not apply for a business entity producer license.
Cycle
Renew the producer entity license biennially on March 1; renew and pay affiliations annually on March 1.
Designated individual examination
The entity itself is not examined. Under 59A-11-10(D), the superintendent may require an individual designated to exercise license powers to pass the new individual applicant examination when competence is questionable; the personal-lines exam is retained for that identified assessment.
Legal name
Use the legal entity name or an assumed name previously approved in writing by the superintendent.
Licensed individuals
Every individual exercising license powers must hold the corresponding individual producer authority and be affiliated with the entity.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Responsible producer
Identify at least one designated responsible licensed producer actively licensed in New Mexico; the DRLPs must cumulatively cover every requested line of authority.
Resident business entity licensure
No examination is required for this applicant pathway.
Affiliation
The OSI business instructions require the affiliation form and fees within 30 days after the online application, and affiliations must remain current.
Application
Submit the uniform business entity application, entity information and required fees. A sole proprietorship may not apply for a business entity producer license.
Legal name
Use the legal entity name or an assumed name previously approved in writing by the superintendent.
Licensed individuals
Every individual exercising license powers must hold the corresponding individual producer authority and be affiliated with the entity.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Responsible producer
Identify at least one designated responsible licensed producer actively licensed in New Mexico; the DRLPs must cumulatively cover every requested line of authority.

Official no-examination sources

Effective from 2025-04-01.

Business entity restoration after suspension
No examination is required for this applicant pathway.
Administrative order
Contact the superintendent for reinstatement of an administratively suspended license and satisfy any parental-responsibility compliance requirement applicable to the licensee.
Affiliation
The OSI business instructions require the affiliation form and fees within 30 days after the online application, and affiliations must remain current.
Application
Submit the uniform business entity application, entity information and required fees. A sole proprietorship may not apply for a business entity producer license.
Legal name
Use the legal entity name or an assumed name previously approved in writing by the superintendent.
Licensed individuals
Every individual exercising license powers must hold the corresponding individual producer authority and be affiliated with the entity.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Request
Request reinstatement after the suspension term; the cause of suspension must no longer exist or be likely to recur.
Responsible producer
Identify at least one designated responsible licensed producer actively licensed in New Mexico; the DRLPs must cumulatively cover every requested line of authority.

Official no-examination sources

Effective from 2025-04-01.

Personal Lines Insurance Producer

Individual insurance producer authority for property and casualty coverage sold to individuals and families for noncommercial purposes; resident and nonresident pathways.

Licensing authority: New Mexico Office of Superintendent of Insurance · Application information

Nonresident reinstatement within 12 months of lapse
No examination is required for this applicant pathway.
Application
OSI directs use of its online renewal or new-application transaction according to the license’s active, expired, inactive or surrendered status.
Background
For an expired resident license, the OSI renewal checklist requires a current national background check; nonresidents are exempt unless New Mexico is the designated home state.
Education
Complete all continuing education hours that would have been needed during the lapse before reinstatement, subject to applicable nonresident exemptions.
Fees
Pay the renewal fee and a penalty of double the unpaid renewal fee under 13.4.2.27(C)(2).
Home license
Maintain a current home-jurisdiction license in good standing for the same lines of authority.
Time limit
Reinstate within 12 months following the renewal-fee and continuing-education due date.

Official no-examination sources

Effective from 2025-04-01.

Nonresident renewal and continuation
New Mexico Personal Lines Insurance
Competence review
An examination is normally not required for renewal. Under 59A-11-10(D) the superintendent may require the written examination for new applicants to the same license when competence is questionable; Series 18-38 is retained for that discretion.
Continuing education
Home-jurisdiction CE satisfies New Mexico CE when the reciprocal conditions in 59A-11-23(B) are met; 13.4.7.2(B)(5) and 13.4.7.9(A)(6) state the nonresident exemption.
Expired license
The nonresident checklist waives a background check unless New Mexico is the designated home state.
Extenuating circumstances
Military service or other extenuating circumstances may support an application for waiver of renewal requirements, examination, fines or sanctions under 13.4.2.27(A)(1).
Fingerprints
Nonresident renewal does not require a background check unless New Mexico is the designated home state.
Home license
Maintain the resident or designated-home-state license in good standing for the same active lines; terminate any inactive home-jurisdiction line before renewal in New Mexico.
Online timing
The OSI instructions allow online renewal 90 days before expiration; CE credits must be entered into the system at least one day before applying.
Renewal cycle
Renew biennially by the last day of the birth month; timely renewal fees and required continuing education must be submitted.
Resident relicensing after revocation or refusal to continue
New Mexico Personal Lines Insurance
Application
Submit a truthful, complete uniform application and the required licensing fees through NIPR or as directed by the superintendent.
Broker activity
A broker is a type of insurance producer under 59A-12-3, acting independently on behalf of the insured; this does not create a separate personal-lines examination.
Controlled business
The producer license may not be used solely to evade anti-rebate or anti-discrimination laws through insurance on the applicant; stock or ownership interests may not be offered as an inducement to insurance purchase.
Criminal history
A felony involving dishonesty or breach of trust requires written consent under 18 U.S.C. 1033; other background matters are reviewed under the Insurance Code and Criminal Offender Employment Act.
Disciplinary resolution
Show that the applicant is otherwise qualified and that the causes of revocation or refused continuation no longer exist and will not recur.
Employment history
Provide at least five years of employment history without gaps under 13.4.2.9(C)(3).
Exemption limit
The similar-New-Mexico-license exemption does not apply after suspension, revocation or refused continuation; establish another statutory exemption separately if applicable.
Fingerprints
Resident applicants must submit fingerprints for state and federal background checks; OSI must receive the results before issuing the license. The November 2025 checklist says the background report is valid for 90 days.
License history
Disclose previous licensing, disciplinary actions and any grounds for denial; provide supporting documents for affirmative background responses.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Minimum age
At least 18 years of age.
Residence
A resident applicant must provide an in-state residential or business street address and must not retain an incompatible active resident license.
Work authorization
An applicant who is a citizen of a foreign country must show eligibility to reside and work in the United States.
Resident reinstatement within 12 months of lapse
No examination is required for this applicant pathway.
Application
OSI directs use of its online renewal or new-application transaction according to the license’s active, expired, inactive or surrendered status.
Background
For an expired resident license, the OSI renewal checklist requires a current national background check; nonresidents are exempt unless New Mexico is the designated home state.
Education
Complete all continuing education hours that would have been needed during the lapse before reinstatement, subject to applicable nonresident exemptions.
Fees
Pay the renewal fee and a penalty of double the unpaid renewal fee under 13.4.2.27(C)(2).
Time limit
Reinstate within 12 months following the renewal-fee and continuing-education due date.

Official no-examination sources

Effective from 2025-04-01.

Resident renewal and continuation
New Mexico Personal Lines Insurance
Competence review
An examination is normally not required for renewal. Under 59A-11-10(D) the superintendent may require the written examination for new applicants to the same license when competence is questionable; Series 18-38 is retained for that discretion.
Continuing education
Complete 24 hours of approved education per biennial compliance period, including at least three ethics hours, unless a 13.4.7.2 exemption or 13.4.7.9(F) waiver applies. No carryover or duplicate course credit is allowed.
Expired license
The OSI renewal instructions require a national background check if the license has become expired, with results valid for 90 days.
Extenuating circumstances
Military service or other extenuating circumstances may support an application for waiver of renewal requirements, examination, fines or sanctions under 13.4.2.27(A)(1).
Online timing
The OSI instructions allow online renewal 90 days before expiration; CE credits must be entered into the system at least one day before applying.
Renewal cycle
Renew biennially by the last day of the birth month; timely renewal fees and required continuing education must be submitted.
Restoration after suspension
No examination is required for this applicant pathway.
Administrative suspension
Contact the superintendent to request reinstatement after an administrative suspension.
Parental responsibility
When suspension results from noncompliance with the Parental Responsibility Act, regain compliance and provide proof before reinstatement.
Request
At the end of the suspension period, request reinstatement; the superintendent must find that continuing causes do not remain or recur.
Revocation distinction
Reinstatement of a suspended existing license is distinct from relicensing after revocation or refusal to continue.

Official no-examination sources

Effective from 2025-04-01.

Nonresident broker licensure under 13.4.3 NMAC
No examination is required for this applicant pathway.
Application and fees
Submit the nonresident producer application and prescribed fees.
Assessment boundary
The broker route’s enumerated application conditions in 13.4.3.8-.9 do not prescribe a New Mexico examination; 59A-12-16(A) imposes the initial examination on resident individuals.
Criminal history
A felony involving dishonesty or breach of trust requires the superintendent’s written consent under 13.4.3.8(D).
Outside license
Be licensed to engage in insurance business outside New Mexico; obtain authority for the personal-lines insurance to be transacted.
Residence and business
Maintain a bona fide continuous residence and chief place of business within the continental United States outside New Mexico, as 13.4.3.8 states.
Retaliation
Subject to the reciprocal or retaliatory conditions of 13.4.3.8(C), 59A-5-33 and 59A-12-25(A); issuance remains subject to the superintendent’s determination.
Stipulation
File the stipulation under 13.4.3.9, accepting service through the superintendent, Santa Fe proceedings and required appearances.

Official no-examination sources

Effective from 2025-04-01.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request, required fees and either the home-jurisdiction application or a completed uniform application.
Background
Disclose disqualifying conduct and supporting records. The November 2025 checklist does not require fingerprints for nonresident applicants unless New Mexico is their designated home state.
Home license
Hold a current resident license in good standing in the home jurisdiction for the same personal-lines authority.
Prior exam
An examination taken for the home-jurisdiction license is an applicant condition; no New Mexico exam is imposed for this reciprocal route.
Reciprocity
The home jurisdiction must award New Mexico residents nonresident licenses on the same basis.
Service of process
Appoint the superintendent as agent for process and agree to appear for regulatory proceedings as required by 59A-12-25(B)-(C).

Official no-examination sources

Effective from 2025-04-01.

Nonresident relicensing after revocation or refusal to continue
No examination is required for this applicant pathway.
Application
Submit the proper request, required fees and either the home-jurisdiction application or a completed uniform application.
Background
Disclose disqualifying conduct and supporting records. The November 2025 checklist does not require fingerprints for nonresident applicants unless New Mexico is their designated home state.
Disciplinary resolution
Show to the superintendent’s satisfaction that the applicant is otherwise qualified and that the causes of revocation or refused continuation no longer exist and will not recur.
Home license
Hold a current resident license in good standing in the home jurisdiction for the same personal-lines authority.
Prior exam
An examination taken for the home-jurisdiction license is an applicant condition; no New Mexico exam is imposed for this reciprocal route.
Reciprocity
The home jurisdiction must award New Mexico residents nonresident licenses on the same basis.
Service of process
Appoint the superintendent as agent for process and agree to appear for regulatory proceedings as required by 59A-12-25(B)-(C).

Official no-examination sources

Effective from 2025-04-01.

Resident licensure with Chartered Property Casualty Underwriter designation
No examination is required for this applicant pathway.
Application
Submit a truthful, complete uniform application and the required licensing fees through NIPR or as directed by the superintendent.
Broker activity
A broker is a type of insurance producer under 59A-12-3, acting independently on behalf of the insured; this does not create a separate personal-lines examination.
Controlled business
The producer license may not be used solely to evade anti-rebate or anti-discrimination laws through insurance on the applicant; stock or ownership interests may not be offered as an inducement to insurance purchase.
Criminal history
A felony involving dishonesty or breach of trust requires written consent under 18 U.S.C. 1033; other background matters are reviewed under the Insurance Code and Criminal Offender Employment Act.
Designation
Hold the Chartered Property Casualty Underwriter designation specified in 59A-12-16(E)(4).
Employment history
Provide at least five years of employment history without gaps under 13.4.2.9(C)(3).
Fingerprints
Resident applicants must submit fingerprints for state and federal background checks; OSI must receive the results before issuing the license. The November 2025 checklist says the background report is valid for 90 days.
License history
Disclose previous licensing, disciplinary actions and any grounds for denial; provide supporting documents for affirmative background responses.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Minimum age
At least 18 years of age.
Residence
A resident applicant must provide an in-state residential or business street address and must not retain an incompatible active resident license.
Scope
59A-12-2(M) defines personal-lines producer authority as property and casualty insurance for individuals and families for noncommercial purposes; the statute’s property-and-casualty designation exemption applies to that defined scope.
Work authorization
An applicant who is a citizen of a foreign country must show eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident initial licensure by examination
New Mexico Personal Lines Insurance
Application
Submit a truthful, complete uniform application and the required licensing fees through NIPR or as directed by the superintendent.
Broker activity
A broker is a type of insurance producer under 59A-12-3, acting independently on behalf of the insured; this does not create a separate personal-lines examination.
Controlled business
The producer license may not be used solely to evade anti-rebate or anti-discrimination laws through insurance on the applicant; stock or ownership interests may not be offered as an inducement to insurance purchase.
Criminal history
A felony involving dishonesty or breach of trust requires written consent under 18 U.S.C. 1033; other background matters are reviewed under the Insurance Code and Criminal Offender Employment Act.
Employment history
Provide at least five years of employment history without gaps under 13.4.2.9(C)(3).
Exam preparation
No prelicensing study course is required by OSI.
Exam score
Pass Series 18-38; all required application materials and fees must reach OSI within one year after passing, as stated in the PSI bulletin.
Fingerprints
Resident applicants must submit fingerprints for state and federal background checks; OSI must receive the results before issuing the license. The November 2025 checklist says the background report is valid for 90 days.
License history
Disclose previous licensing, disciplinary actions and any grounds for denial; provide supporting documents for affirmative background responses.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Minimum age
At least 18 years of age.
Residence
A resident applicant must provide an in-state residential or business street address and must not retain an incompatible active resident license.
Retakes
After four failed attempts at the same examination, wait six months after the last failure before another attempt.
Work authorization
An applicant who is a citizen of a foreign country must show eligibility to reside and work in the United States.
Resident licensure based on an existing or recently canceled license elsewhere
No examination is required for this applicant pathway.
Application
Submit a truthful, complete uniform application and the required licensing fees through NIPR or as directed by the superintendent.
Broker activity
A broker is a type of insurance producer under 59A-12-3, acting independently on behalf of the insured; this does not create a separate personal-lines examination.
Controlled business
The producer license may not be used solely to evade anti-rebate or anti-discrimination laws through insurance on the applicant; stock or ownership interests may not be offered as an inducement to insurance purchase.
Criminal history
A felony involving dishonesty or breach of trust requires written consent under 18 U.S.C. 1033; other background matters are reviewed under the Insurance Code and Criminal Offender Employment Act.
Employment history
Provide at least five years of employment history without gaps under 13.4.2.9(C)(3).
Fingerprints
Resident applicants must submit fingerprints for state and federal background checks; OSI must receive the results before issuing the license. The November 2025 checklist says the background report is valid for 90 days.
Good standing
For a canceled prior license, provide certification of good standing at cancellation or NAIC database evidence of good standing for the requested line.
License history
Disclose previous licensing, disciplinary actions and any grounds for denial; provide supporting documents for affirmative background responses.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Minimum age
At least 18 years of age.
Other jurisdiction examination
Any examination associated with a license issued elsewhere is an applicant condition; it is not a New Mexico examination leaf.
Prior license
Previously licensed for the same lines of authority; the prior license is current, or the application is received within 90 days after cancellation.
Residence
A resident applicant must provide an in-state residential or business street address and must not retain an incompatible active resident license.
Work authorization
An applicant who is a citizen of a foreign country must show eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident relicensing after the statutory one year exemption
New Mexico Personal Lines Insurance
Application
Submit a truthful, complete uniform application and the required licensing fees through NIPR or as directed by the superintendent.
Broker activity
A broker is a type of insurance producer under 59A-12-3, acting independently on behalf of the insured; this does not create a separate personal-lines examination.
Controlled business
The producer license may not be used solely to evade anti-rebate or anti-discrimination laws through insurance on the applicant; stock or ownership interests may not be offered as an inducement to insurance purchase.
Criminal history
A felony involving dishonesty or breach of trust requires written consent under 18 U.S.C. 1033; other background matters are reviewed under the Insurance Code and Criminal Offender Employment Act.
Elapsed time
The similar-license exemption in 59A-12-16(E)(6) applies only within one year before application; after that window the resident examination requirement in 59A-12-16(A) applies unless another statutory exemption is met.
Employment history
Provide at least five years of employment history without gaps under 13.4.2.9(C)(3).
Fingerprints
Resident applicants must submit fingerprints for state and federal background checks; OSI must receive the results before issuing the license. The November 2025 checklist says the background report is valid for 90 days.
License history
Disclose previous licensing, disciplinary actions and any grounds for denial; provide supporting documents for affirmative background responses.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Minimum age
At least 18 years of age.
Precedence
The statute’s one-year exemption controls the requirement tree. The rule’s five-year waiver is shown as OSI’s lower-ranked demand or waiver for applicants previously examined in New Mexico, without extending the statutory exemption.
Residence
A resident applicant must provide an in-state residential or business street address and must not retain an incompatible active resident license.
Rule waiver
13.4.2.11(B)(2) states: Reexamination is not required for resident applicants who have been licensed in this state within the five years prior to the date of the new application and who seek to be relicensed for the same line or lines of insurance. This exemption does not apply if the previous license was suspended or revoked, if continuation of the license was refused by the superintendent or if the applicant did not previously take and pass an exam in this state.
Work authorization
An applicant who is a citizen of a foreign country must show eligibility to reside and work in the United States.
Resident relicensing within one year of a similar New Mexico license
No examination is required for this applicant pathway.
Application
Submit a truthful, complete uniform application and the required licensing fees through NIPR or as directed by the superintendent.
Broker activity
A broker is a type of insurance producer under 59A-12-3, acting independently on behalf of the insured; this does not create a separate personal-lines examination.
Controlled business
The producer license may not be used solely to evade anti-rebate or anti-discrimination laws through insurance on the applicant; stock or ownership interests may not be offered as an inducement to insurance purchase.
Criminal history
A felony involving dishonesty or breach of trust requires written consent under 18 U.S.C. 1033; other background matters are reviewed under the Insurance Code and Criminal Offender Employment Act.
Employment history
Provide at least five years of employment history without gaps under 13.4.2.9(C)(3).
Fingerprints
Resident applicants must submit fingerprints for state and federal background checks; OSI must receive the results before issuing the license. The November 2025 checklist says the background report is valid for 90 days.
License history
Disclose previous licensing, disciplinary actions and any grounds for denial; provide supporting documents for affirmative background responses.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Minimum age
At least 18 years of age.
New application
Submit a new licensing application when the prior license is inactive or surrendered; the statutory examination exemption is preserved.
Prior license
Hold or have held a similar New Mexico license for the same kinds of insurance within one year before the new application; the previous license must not have been suspended, revoked or refused continuation.
Residence
A resident applicant must provide an in-state residential or business street address and must not retain an incompatible active resident license.
Work authorization
An applicant who is a citizen of a foreign country must show eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

Resident licensure after relocation
New Mexico Personal Lines Insurance
Application
Submit a truthful, complete uniform application and the required licensing fees through NIPR or as directed by the superintendent.
Broker activity
A broker is a type of insurance producer under 59A-12-3, acting independently on behalf of the insured; this does not create a separate personal-lines examination.
Controlled business
The producer license may not be used solely to evade anti-rebate or anti-discrimination laws through insurance on the applicant; stock or ownership interests may not be offered as an inducement to insurance purchase.
Criminal history
A felony involving dishonesty or breach of trust requires written consent under 18 U.S.C. 1033; other background matters are reviewed under the Insurance Code and Criminal Offender Employment Act.
Employment history
Provide at least five years of employment history without gaps under 13.4.2.9(C)(3).
Fingerprints
Resident applicants must submit fingerprints for state and federal background checks; OSI must receive the results before issuing the license. The November 2025 checklist says the background report is valid for 90 days.
Implementation request
The June 2026 PSI bulletin instructs applicants to submit a written request stating where licensed, the examination taken and when the license was issued, with the application, fees and fingerprint receipt.
License history
Disclose previous licensing, disciplinary actions and any grounds for denial; provide supporting documents for affirmative background responses.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Minimum age
At least 18 years of age.
Omitted lines
OSI waiver instructions say a line omitted from the initial relocation application requires the New Mexico exam if the previous resident license has been canceled for more than 90 days; contact OSI if less than 90 days.
Online waiver
OSI waiver instructions say the waiver is granted through the online database when eligible; cancel the previous resident or designated-home-state license no more than 90 days before applying and inactivate or surrender any New Mexico nonresident license at least one day before applying.
Relocation window
Apply within 90 days after establishing New Mexico legal residence for lines previously held.
Residence
A resident applicant must provide an in-state residential or business street address and must not retain an incompatible active resident license.
Superintendent discretion
13.4.2.11(B)(5) says the prior-line examination requirement is waived unless otherwise determined by the superintendent; the identified Series 18-38 is retained for that discretion.
Work authorization
An applicant who is a citizen of a foreign country must show eligibility to reside and work in the United States.
Resident licensure based on a similar examination and existing license elsewhere
No examination is required for this applicant pathway.
Application
Submit a truthful, complete uniform application and the required licensing fees through NIPR or as directed by the superintendent.
Broker activity
A broker is a type of insurance producer under 59A-12-3, acting independently on behalf of the insured; this does not create a separate personal-lines examination.
Controlled business
The producer license may not be used solely to evade anti-rebate or anti-discrimination laws through insurance on the applicant; stock or ownership interests may not be offered as an inducement to insurance purchase.
Criminal history
A felony involving dishonesty or breach of trust requires written consent under 18 U.S.C. 1033; other background matters are reviewed under the Insurance Code and Criminal Offender Employment Act.
Employment history
Provide at least five years of employment history without gaps under 13.4.2.9(C)(3).
Fingerprints
Resident applicants must submit fingerprints for state and federal background checks; OSI must receive the results before issuing the license. The November 2025 checklist says the background report is valid for 90 days.
License history
Disclose previous licensing, disciplinary actions and any grounds for denial; provide supporting documents for affirmative background responses.
Managing general agent activity
If acting as a managing general agent, comply with 59A-12B and 13.4.2.24, including the insurer contract, any required bond or errors-and-omissions policy, and recordkeeping. 13.4.2.24(A)(3) issues the existing individual or business entity producer license through 13.4.2.9 or 13.4.2.10.
Minimum age
At least 18 years of age.
Other jurisdiction examination
The other jurisdiction’s examination remains an applicant condition and is not a New Mexico exam leaf.
Prior examination
The applicant has passed a similar examination in a jurisdiction where already licensed; the exemption is subject to 59A-5-33 reciprocity and retaliatory requirements.
Residence
A resident applicant must provide an in-state residential or business street address and must not retain an incompatible active resident license.
Work authorization
An applicant who is a citizen of a foreign country must show eligibility to reside and work in the United States.

Official no-examination sources

Effective from 2025-04-01.

New Mexico Personal Lines Insurance

Provider
PSI Services LLC
Format
Computer-administered examination; test center or remote proctoring
Exam questions
100 scored items; an additional 5 to 10 unscored experimental questions may be administered
Time limit
2 hours
Passing score
70% correct
Exam fee
$75
Examination outline
  • Insurance Regulation (10%)
    • Licensing
    • Licensing / Process (59A-11-2, 3, 59A-12-12; Reg 13.4.2.8, .9)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Insurance Producers (59A-12-2)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Brokers (59A-12-3)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Consultants (59A-11A-1-8)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Nonresident (59A-12-25) (59A-11-24)
    • Licensing / Types of Licensees (Reg 13.4.2.7, .11) / Temporary (59A-11-4; 59A-12-19; Reg 13.4.2.12)
    • Licensing / Maintenance and Duration
    • Licensing / Maintenance and Duration / Expiration and Renewal (59A-11-10, 11)
    • Licensing / Maintenance and Duration / Address Change (59A-12-17) (59A-11-24)
    • Licensing / Maintenance and Duration / Continuing Education (59A-12-26; Reg 13.4.7.9, .12)
    • Licensing / Disciplinary Actions
    • Licensing / Disciplinary Actions / Suspension, Revocation, or Refusal to Renew (59A-11-8, 10, 14–16, 18)
    • Licensing / Disciplinary Actions / Cease and Desist Orders (59A-16-27)
    • Licensing / Disciplinary Actions / Penalties and Fines (59A-1-18, 59A-11- 17, 21)
    • State Regulation
    • State Regulation / Superintendent's General Duties and Powers (59A-2-8-10)
    • State Regulation / Company Regulation
    • State Regulation / Company Regulation / Certificate of Authority (59A-5-10)
    • State Regulation / Company Regulation / Unfair Claims Settlement Practices (59A-16-20)
    • State Regulation / Company Regulation / Complaint Record (59A-16-22)
    • State Regulation / Company Regulation / Appointment of Insurance Producer (59A- 11-12; Reg 13.4.2.17)
    • State Regulation / Company Regulation / Termination of Insurance Producer Appointment (59A-11-13; Reg 13.4.2.29)
    • State Regulation / Insurance Producer Regulation
    • State Regulation / Insurance Producer Regulation / Shared Commissions (59A-12-24)
    • State Regulation / Insurance Producer Regulation / Fiduciary Duties (59A-12-22)
    • State Regulation / Insurance Producer Regulation / Prohibited Premiums or Charges (59A-16- 24)
    • State Regulation / Unfair Insurance Trade Practices
    • State Regulation / Unfair Insurance Trade Practices / Misrepresentation (59A-16-4, 23)
    • State Regulation / Unfair Insurance Trade Practices / False Advertising (59A-16-4, 5)
    • State Regulation / Unfair Insurance Trade Practices / Twisting (59A-16-6)
    • State Regulation / Unfair Insurance Trade Practices / Defamation (59A-16-10)
    • State Regulation / Unfair Insurance Trade Practices / Unfair Discrimination (59A-16, 13, 17(D))
    • State Regulation / Unfair Insurance Trade Practices / Rebating (59A-16-16–18)
    • State Regulation / Unfair Insurance Trade Practices / Boycott, Coercion, or Intimidation (59A- 16-19)
    • State Regulation / Examination of Books and Records (59A-4-3, 4)
    • State Regulation / Insurance Fraud Act (59A-16C-1-16)
    • State Regulation / Consumer Information Privacy (59A-2-9.3; Reg 13.1.3.1-.28)
  • Federal Laws and Regulations (2%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (14%)
    • Risk
    • Risk / Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers / Mutual, Stock
    • Classifications of Insurers / Admitted, Non-Admitted
    • Classifications of Insurers / Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers - Definitions
    • Authority and Powers of Producers - Definitions / Express
    • Authority and Powers of Producers - Definitions / Implied
    • Authority and Powers of Producers - Definitions / Apparent
    • Authority and Powers of Producers - Definitions / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (26%)
    • Insurable Interest
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Underwriting (Purpose, Process, Results)
    • Types of Hazards
    • Types of Hazards / Moral
    • Types of Hazards / Morale
    • Types of Hazards / Physical
    • Types of Perils
    • Types of Perils / Named
    • Types of Perils / Open
    • Types of Loss
    • Types of Loss / Direct
    • Types of Loss / Indirect
    • Loss Valuation
    • Loss Valuation / Actual Cash Value
    • Loss Valuation / Replacement Cost
    • Loss Valuation / Market Value
    • Loss Valuation / Agreed Value
    • Loss Valuation / Valued Policy
    • Loss Valuation / Replacement Cost
    • Negligence
    • Negligence / Torts
    • Negligence / Elements of a Negligent Act
    • Negligence / Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional/Supplementary Coverage
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Policy Structure / Endorsements
    • Policy Clauses
    • Policy Clauses / Insureds
    • Policy Clauses / Policy Period
    • Policy Clauses / Policy Territory
    • Policy Clauses / Cancellation and Non-Renewal
    • Policy Clauses / Deductibles
    • Policy Clauses / Other Insurance
    • Policy Clauses / Other Insurance / Nonconcurrency
    • Policy Clauses / Other Insurance / Primary and Excess
    • Policy Clauses / Other Insurance / Pro Rata
    • Policy Clauses / Other Insurance / Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability / Per Accident
    • Limits of Liability / Per Occurrence
    • Limits of Liability / Per Person
    • Limits of Liability / Aggregate
    • Limits of Liability / Split limits
    • Limits of Liability / Combined Single Limit
    • Coinsurance
    • Coinsurance / Purpose
    • Coinsurance / Definition
    • Coinsurance / Calculation
    • Coinsurance / Penalties
    • Coinsurance / Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions / First Named Insured versus Other Insureds
    • Named Insured Provisions / Duties After Loss
    • Named Insured Provisions / Assignment
    • Named Insured Provisions / Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions / Liberalization
    • Insurer Provisions / Subrogation
    • Insurer Provisions / Claim Settlement Options
    • Insurer Provisions / Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions / Standard Mortgage Clause
    • Third-Party Provisions / Loss Payable Clause
    • Third-Party Provisions / No Benefit to the Bailee
  • Dwelling Policy Concepts (9%)
    • Purpose and Eligibility
    • Definitions
    • Perils Insured Against
    • Perils Insured Against / Basic
    • Perils Insured Against / Broad
    • Perils Insured Against / Special
    • Property Coverages
    • Property Coverages / Coverage A - Dwelling
    • Property Coverages / Coverage B - Other Structures
    • Property Coverages / Coverage C - Personal Property
    • Property Coverages / Coverage D - Fair Rental Value
    • Property Coverages / Coverage E - Additional Living Expenses
    • Property Coverages / Other Coverages
    • Personal Liability Supplement
    • Personal Liability Supplement / Coverage L - Personal Liability
    • Personal Liability Supplement / Coverage M - Medical Payments to Others
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Policy Endorsements
  • Homeowners Policy Concepts (19%)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms / Broad (HO-2)
    • Homeowners Policy Coverage Forms / Special (HO-3)
    • Homeowners Policy Coverage Forms / Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms / Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms / Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms / Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Section I - Property Coverages / Coverage A - Dwelling
    • Section I - Property Coverages / Coverage B - Other Structures
    • Section I - Property Coverages / Coverage C - Personal Property
    • Section I - Property Coverages / Coverage D - Loss of Use
    • Section I - Property Coverages / Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages / Coverage E - Personal Liability
    • Section II - Liability Coverages / Coverage F - Medical Payments to Others
    • Section II - Liability Coverages / Additional Coverages
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions / Section I - Property Covered Exclusions
    • Homeowners Policy Exclusions / Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements / Business Pursuits
    • Homeowners Policy Endorsements / Earthquake
    • Homeowners Policy Endorsements / Home Day Care
    • Homeowners Policy Endorsements / Personal Injury
    • Homeowners Policy Endorsements / Personal Property Replacement Cost
    • Homeowners Policy Endorsements / Watercraft
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy (13%)
    • Definitions
    • Liability Coverage
    • Liability Coverage / Bodily Injury and Property Damage
    • Liability Coverage / Supplementary Payments
    • Liability Coverage / Exclusions
    • Liability Coverage / Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Uninsured and Underinsured Motorists Coverage / Definitions
    • Uninsured and Underinsured Motorists Coverage / Bodily Injury
    • Uninsured and Underinsured Motorists Coverage / UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile / Collision
    • Coverage for Damage to your Automobile / Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile / Deductibles
    • Coverage for Damage to your Automobile / Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Endorsements / Towing and Labor Costs
    • Endorsements / Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements / Joint Ownership Coverage
    • Endorsements / Rental Vehicle Coverage
  • Other Types of Personal Insurance (7%)
    • Personal Umbrella and Excess Policies
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) / Deductible
    • Flood Insurance
    • Watercraft
Examination sources