{"id":680,"date":"2025-02-05T08:02:00","date_gmt":"2025-02-05T08:02:00","guid":{"rendered":"https:\/\/www.insurancestudy.com\/blog\/?p=680"},"modified":"2025-04-25T19:58:21","modified_gmt":"2025-04-25T19:58:21","slug":"lines-of-authority","status":"publish","type":"post","link":"https:\/\/www.insurancestudy.com\/blog\/2025\/lines-of-authority\/","title":{"rendered":"Lines of Authority"},"content":{"rendered":"\n

A line of authority refers to the category of insurance an Insurance Producer sells, solicits or negotiates. The lines are granted by the state\u2019s insurance regulatory agency and determine the scope of practice for the producer. Producers need a license for each line of authority they sell or service.<\/p>\n\n\n\n

Insurance agents are typically grouped into L&H or P&C\u2014life and health or property and casualty\u2014and are the most common buckets for general insurance coverage.<\/p>\n\n\n\n

Life, Accident & Health Insurance<\/h2>\n\n\n\n

Life, accident and health insurance provide preventative care, acute illness coverage and long-term care options for chronic or terminal illnesses. Medical, dental, vision and disability are covered under health insurance plans. Life insurance provides death benefits or cash value accumulation and estate assets for beneficiaries. This includes term life, whole life, universal life and variable life insurance. Annuity, estate planning, and retirement products will also fall in the life insurance bucket.<\/p>\n\n\n\n

Property & Casualty Insurance<\/h2>\n\n\n\n

Property and casualty insurance covers your property, home, business and personal belongings. This would be your homeowner\u2019s insurance, renter\u2019s insurance, commercial property insurance or auto policy. Casualty insurance covers the liability for loss or damage caused to others or their property. Casualty would include general liability, workers\u2019 compensation, commercial auto insurance and umbrella policies. <\/p>\n\n\n\n

Other Lines of Authority<\/h2>\n\n\n\n

Other categories of insurance include personal lines, surplus lines, credit insurance, cyber risk insurance, crop insurance and title insurance. These products can sometimes fall under both categories or neither. It is the responsibility of every producer to review the regulations in the states where they sell to determine what line of authority they will need for their license.<\/p>\n\n\n\n

Understanding Lines of Authority<\/h2>\n\n\n\n

When you renew your insurance license understanding the lines of authority you represent will ensure you receive the most updated and relevant information. Many producers carry multiple lines and need a variety of CE credits to satisfy their carriers. Depending on your state, your continuing education may be limited to content covering the lines of authority you are licensed to sell. InsuranceStudy regularly maintains a list of your CE requirements and lists the course authority approved for every course in our catalog. We are constantly adding new courses at InsuranceStudy to our CE catalog to help you fulfill your CE requirements.\u00a0<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

InsuranceStudy<\/a> has been providing continuing education for Insurance Professionals and Certified Financial Planners for more than 20 years. Our insurance experts are dedicated to bringing you convenient, affordable, and compliant courses. Follow us on Facebook<\/a>, Instagram<\/a> or LinkedIn<\/a> for more updates.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

A line of authority refers to the category of insurance an Insurance Producer sells, solicits or negotiates. The lines are granted by the state\u2019s insurance regulatory agency and determine the scope of practice for the producer. Producers need a license…Continue Reading →<\/a><\/span><\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[162,163],"tags":[64,141,60,139,138,140],"class_list":["post-680","post","type-post","status-publish","format-standard","hentry","category-life-and-health","category-property-casualty","tag-insurance","tag-insurance-coverage","tag-insurance-producer","tag-life-and-health","tag-lines-of-authority","tag-property-and-casualty"],"yoast_head":"\nLines of Authority - InsuranceStudy<\/title>\n<meta name=\"description\" content=\"A line of authority refers to the category of insurance an Insurance Producer sells, solicits or negotiates.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancestudy.com\/blog\/2025\/lines-of-authority\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lines of Authority - 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