An Act to Establish an
Maine Legislature, Session 132, LD 0881
Committee Amendment CA_A_H421 (House)
Amends: 24-A MRSA §1420-Q

COMMITTEE AMENDMENT" A" to H.P. 567, L.D. 881, "An Act to Establish an 
Apprentice Insurance Producer License" 
Amend the bill by striking out everything after the enacting clause and inserting the 
following: 
'Sec. 1. 24-A MRSA §1420-Q is enacted to read: 
§1420-0. Apprentice insurance producer license 
Beginning Januaiy 1. 2026. the superintendent may issue an apprentice insurance 
producer license in accordance with this section and section 1420-J without requiring an 
examination. An applicant for a license as an apprentice insurance producer shall apply to 
the superintendent in the form and manner determined by the superintendent. 
1. Licensing requirements. An apprentice insurance producer license may not be 
issued unless an applicant: 
• 
A. Is 18 years of age or older: 
B. Is employed by a licensed resident insurance producer who has certified to the 
superintendent on a form prescribed by the superintendent that the licensed resident 
insurance producer will supervise the apprentice insurance producer licensee and will 
assume responsibility for all acts of the apprentice insurance producer licensee; 
C. Has submitted an application for an insurance producer license and meets the 
requirements for an insurance producer license, except for passage of any required 
examination. The applicant and sponsor shall provide any infmmation requested by the 
superintendent as part of the review of the application: 
) 
D. Has not previously held or been denied an insurance producer license under this 
Title in this State or a comparable insurance producer license in any other jurisdiction 
and has not previously been issued or denied an apprentice insurance producer license; 
E. Is a resident of this State at the time of application and remains a resident of this 
State throughout the apprenticeship: and 
COMMITTEE AMENDMENT 
COMMITTEE AMENDMENT" 4 
to H.P. 567, L.D. 881 
F. 
Has paid the temporary licensing fee required by section 601, subsection 5, 
paragraph C and any applicable application fee. 
2. Sponsor required. An apprentice insurance producer license may not be issued 
without the sponsorship of a licensed resident insurance producer. A sponsor shall complete 
an application required by the superintendent. The sponsor may not have any restriction on 
the sponsor's producer license. including, but not limited to, being on probation or having 
any disciplinary reporting requirements to the superintendent. The sponsor must have held 
a Maine producer license in good standing for at least one year prior to applying to be a 
sponsor and must meet any other requirements established by the superintendent. The 
superintendent may revoke a sponsor's authorization to employ an apprentice insurance 
producer for failing to comply with any requirements of the sponsorship and for any of the 
reasons for disciplinary action under section 1420-K. 
3. Legal responsibility. A sponsor who employs an apprentice insurance producer 
licensee assumes all legal responsibility for all acts of the apprentice insurance producer 
licensee who is employed by the sponsor. 
4. License duration; nonrenewable. An apprentice insurance producer license may 
not be authorized for more than 180 days. After having completed 180 days as an apprentice 
insurance producer, the apprentice insurance producer may not engage in any insurance 
activities requiring an insurance producer license without obtaining an insurance producer 
license in accordance with the requirements of this subchapter. 
5. Activities limited to risks located in this State. An apprentice insurance producer 
may perform only activities that would otherwise require an insurance producer license for 
risks located in this State and only for those activities for which the sponsor is authorized 
under the sponsor's licensing authority. 
6. Appointment required. An apprentice insurance producer may not act as an agent 
of an insurer unless appointed by the insurer pursuant to section 1420-M. 
7. Activities limited to those not requiring additional training or authority. An 
apprentice insurance producer may not perform any activities that require training or 
authority in addition to an insurance producer license, including activities under-the federal 
Affordable Care Act, long-term care insurance and annuities. fu addition. an apprentice 
. insurance producer may not perform any activities otherwise requiring a producer license 
involving life insurance. 
8. Limitations. The superintendent may limit the issuance of apprentice insurance 
producer licenses to no more than 2 active apprentice insurance producer licenses per 
sponsor during a calendar year. The superintendent may limit the authority of an apprentice 
insurance producer licensee in any way determined necessary. in addition to those specified 
in this subsection, to protect insureds and the public and may by order revoke an apprentice 
insurance producer license if the interest of insureds or the public is endangered or for any 
cause in section 1420-K, subsection 1. 
9. Reporting of actions. An apprentice insurance producer and a sponsor shall report 
in a timely manner any actions involving the apprentice insurance producer in the same 
manner as required of a producer by section 1420-P. 
10. Termination of apprenticeship. If an apprentice insurance producer is no l~nger 
employed by a sponsor prior to the end of the apprenticeship, or if the sponsor terminates 
COMMITTEE AMENDMENT 
ROS 
COMMITTEE AMENDMENT •A "to H.P. 567, L.D, 881 
the sponsorship prior to the end of the 180-day period under subsection 4, the sponsor and 
the apprentice insurance producer shall notify the superintendent within 5 business days of 
the end of employment or end of the sponsorship. 
11. Rulemaking. The superintendent may issue guidance by rule or otherwise setting 
forth any additional requirements and limitations for apprentice insurance producer 
licensing and sponsorship, including eligible and ineligible lines of insurance and 
limitations or standards for commissions. Rules adopted pursuant to this subsection are 
routine technical rules as defmed in Title 5, chapter 375, chapter 2-A.' 
Amend the bill by relettering or renumbering any nonconsecutive Part letter or section 
number to read consecutively. 
SUMMARY 
This amendment replaces the bill. 
Beginning January 1, 2026, the amendment. 
authorizes the Superintendent of Insurance to issue an apprentice insurance producer 
license without requiring a licensing examination. An apprentice insurance producer 
license may be issued for a period of no more than 180 days if the apprentice insurance 
producer is employed by a licensed resident insurance producer who sponsors the 
apprentice insurance producer and assumes legal responsibility for all actions of the 
apprentice insurance producer. The superintendent may limit the issuance of apprentice 
insurance producer licenses to no more than 2 active apprentice insurance producer licenses 
per sponsor during a calendar year. The amendment also establishes other requirements for 
an apprentice insurance producer license. 
FISCAL NOTE REQUIRED 
(See attached) 
COMMITTEE AMENDMENT 
Fiscal Detail and Notes 
Approved: 04/07 /25 LRL 
LD881 
LR 1307(02) 
An Act to Establish an Apprentice Insurance .Producer License 
Fiscal Note for Bill as Amended by Committee Amendment '(J.." l H- £1 Z. 1) 
Committee: Health Coverage, Insurance and Financial Services 
Fiscal Note Required: Yes 
Fiscal Note 
Minor cost increase - Other Special Revenue Funds 
Any additional costs to the Department of Professional and Financial Regulation from the provisions of this bill are 
expected to be minor and can be absorbed within existing budgeted resourc~s. 
LR1307(02) - Fiscal Note - Page 1 of 1