{ "title": "NAIC Model #275 state matrix", "last_verified": "2026-11-05", "naic_map_status_as_of": "2026-08-31", "state_text_counter": "State text read for 20 of 51 (15 read, 5 read in part); the other 31 rows show NAIC status only.", "license": "None granted. How to cite: Annuities Genius, \"NAIC Model #275 State Matrix\", last verified 2026-11-05, annuitiesgenius.com/blog/naic-model-275-state-matrix.", "rows_read": 15, "rows_partial": 5, "rows_total": 51, "rows": [ { "jurisdiction": "Alabama", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Ala. Admin. Code r. 482-1-137 (2006/2021)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Alaska", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Alaska Admin. Code tit. 3, 26.770 to 26.789 (2014/2022)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Arizona", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Ariz. Rev. Stat. 20-1243.01 to 1243.07 (2006/2021)", "state_text_status": "read", "effective_date": "2021-01-01", "effective_date_note": "Laws 2020, ch. 90 (S.B. 1557), section 9, approved 2020-06-05: \"This act is effective from and after December 31, 2020\", so the first day in force is 2021-01-01", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "federal_or_state", "form_type": "model_appendix_similar", "departure_seen": "", "notes": "Scope (A.R.S. 20-1243.01(A)): the model's sentence. The exemptions in 20-1243.02 match the model's.", "source_urls": "https://www.azleg.gov/legtext/54leg/2R/laws/0090.htm (session law, for the date) ; https://www.azleg.gov/ars/20/01243-01.htm ; https://www.azleg.gov/ars/20/01243-02.htm ; https://www.azleg.gov/ars/20/01243-03.htm ; https://www.azleg.gov/ars/20/01243-06.htm ; https://www.azleg.gov/ars/20/01243-07.htm", "current_text_checked": "yes - Live pages.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Arkansas", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Ark. Admin. Code 054.01.82-1 to Appendix C (2004/2021)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "California", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Cal. Ins. Code 10509.9200 to 10509.9210 (2025)", "state_text_status": "read", "effective_date": "2025-01-01", "effective_date_note": "Applies to recommendations made on or after this date", "retention_years": 5, "training_one_time_credits": 8, "training_reciprocity": "none_seen", "safe_harbor_registration": "federal_or_state", "form_type": "model_appendix_similar", "departure_seen": "yes", "notes": "One-time 8-hour California-specific course (4 credits for the model), then 4 hours before each license renewal if annuities were sold in the term. Care obligation adds a tangible net benefit finding (a reasonable basis to believe the client would receive a tangible net benefit from the transaction over the life of the product; the bill text read does not define the phrase) and an oral plus written basis. Life insurers give a stand-alone buyer's guide. Safe harbor names federal or California securities laws. No other-state training clause in the bill text read. Scope (Ins. Code 10509.9201(a)): \"any sale of, or recommendation made to a consumer to purchase, exchange, or replace\" an annuity, the state's own wording.", "source_urls": "https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202320240SB263 ; https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/Life/questions-answers.cfm ; https://www.insurance.ca.gov/0200-industry/0050-renew-license/0400-resident-materials/upload/Notice-2025-Annuity-Four-Hour-Training-Course-Curriculum.pdf", "current_text_checked": "no - Chaptered bill read from an archived copy (2025-06-26); later amendments not checked. CDI pages read live. On 2026-11-05 the state code site refused the connection (HTTP 403); a legal-publisher copy of the California training section, marked current as of 2026-01-01, describes the same 8-credit-hour course and four CE credits per two years (not used as a source for any cell).", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Colorado", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "3 Colo. Code Regs. 702-4:4-1-11 (2011/2022)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Connecticut", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Conn. Agencies Regs. 38a-432a-1 to 38a-432a-8 (2005/2022)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Delaware", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "18 Del. Code Regs. 1214-1.0 to 1214-8.0 (2006/2021)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "District of Columbia", "naic_map_status_2026_08_31": "pending", "naic_state_page_citation_summer_2025": "none under Model Adoption; Previous Version: D.C. Mun. Regs. tit. 26A, 8400 to 8499 (2010/2011)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "No DC rule or bulletin on the 2020 revisions was found at a DC source.", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Florida", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Fla. Stat. 627.4554 (2004/2024)", "state_text_status": "read", "effective_date": "2024-01-01", "effective_date_note": "Rewritten by ch. 2023-130, s. 15 (a statute, not a rule)", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "federal_or_state", "form_type": "model_appendix_similar", "departure_seen": "yes", "notes": "Agents who already held a license to sell life insurance (called a life insurance line of authority) on 2024-01-01 and wanted to sell annuities had until 2024-07-01 to take the course. Form as posted on the office website. Caps a surrender charge at 10 percent of the amount withdrawn on contracts issued to a client age 65 or older; the charge must reach zero after the end of the 10th policy year (or 10 years after each premium payment, whichever is later), with exceptions for accredited investors and the annuities in paragraph (4)(b). Enforcement is split: the statute's \"office\" acts against insurers and its \"department\" against agents. Scope (627.4554(2)): the model's sentence.", "source_urls": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.4554.html ; https://laws.flrules.org/2023/130", "current_text_checked": "yes - Live page dated 2026-11-04.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Georgia", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Ga. Comp. R. & Regs. 120-2-94-.01 to 120-2-94-.10 (2006/2023)", "state_text_status": "read", "effective_date": "2023-08-01", "effective_date_note": "Georgia Office of Insurance Commissioner, \"Annuity Best Interest FAQs, Rule 120-2-94\" (June 2023): \"This regulation becomes effective August 1, 2023\". Rule .10 itself says six months after the adoption date or 2023-07-01, whichever is later, and does not print the adoption date", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "mixed", "form_type": "model_appendix_similar", "departure_seen": "", "notes": "Scope (Rule 120-2-94-.02): the model's sentence. Safe harbor: broker-dealers registered under federal securities laws; advisers registered under federal \"[or state]\" securities laws, with the brackets printed in the rule text.", "source_urls": "https://rules.sos.ga.gov/gac/120-2-94 (read from http://web.archive.org/web/20260423150949id_/https://rules.sos.ga.gov/gac/120-2-94 ) ; https://oci.georgia.gov/document/document/annuity-best-interest-faqs/download (for the date)", "current_text_checked": "yes - Archived copy dated 2026-04-23; the live site refused the connection.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Hawaii", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Haw. Rev. Stat. 431:10D-621 to 431:10D-630 (2008/2023)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Idaho", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Idaho Code 41-1940 to 41-1940E (2021)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Illinois", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Ill. Admin. Code tit. 50, 3120.10 to 3120.90 (2007/2011/2023)", "state_text_status": "read", "effective_date": "2023-02-03", "effective_date_note": "Amended rule, 47 Ill. Reg. 2312; training deadline 2024-02-01; 2023-08-01 is the course-approval cutoff in 3120.60", "retention_years": 7, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "federal_or_state", "form_type": "form_in_rule", "departure_seen": "yes", "notes": "Appendices A through C listed in the rule. Extra training for annuities carrying long-term care benefits. Scope (3120.20): the model's sentence.", "source_urls": "https://ilga.gov/commission/jcar/admincode/050/05003120sections.html (read from http://web.archive.org/web/20250312224239/https://ilga.gov/commission/jcar/admincode/050/05003120sections.html ) ; https://ilga.gov/commission/jcar/admincode/050/050031200000200R.html (Scope, read from http://web.archive.org/web/2025id_/https://ilga.gov/commission/jcar/admincode/050/050031200000200R.html )", "current_text_checked": "no - Archived copy dated 2025-03-12; amendments after that date not checked.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Indiana", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "760 Ind. Admin. Code 1-72-1 to 1-72-6 (2015/2024)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Iowa", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Iowa Admin. Code r. 191-15.72 to 191.15.78 (2006/2020/2024)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Kansas", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Kan. Admin. Regs. 40-1-53 (2005/2023)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Kentucky", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "806 Ky. Admin. Regs. 12:120 (2007/2021)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Louisiana", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "La. Admin. Code tit. 37, pt. XIII, 11701 to 11719 (2019/2024)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Maine", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "917 Me. Code R. 02-031 (2007/2021)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Maryland", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Md. Code Regs. 31.09.12.01 to 31.09.12.13 (2007/2022)", "state_text_status": "read", "effective_date": "", "effective_date_note": "Effective date is not on the COMAR pages read (Library of Maryland Regulations and the Division of State Documents pages); the Maryland Register and the Insurance Administration bulletin pages answered HTTP 403 on 2026-11-05", "retention_years": 7, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "federal_only", "form_type": "form_in_rule", "departure_seen": "", "notes": "The Producer Disclosure for Annuities form is set out in the chapter (Regulation .11) with the refusal and not-recommended forms in .12 and .13. Safe harbor lists broker-dealers and investment advisers registered under federal securities laws. Scope (.02A): the model's sentence.", "source_urls": "https://dsd.maryland.gov/regulations/Pages/31.09.12.01.aspx (sections .01 to .13 opened)", "current_text_checked": "yes - Live pages.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Massachusetts", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "211 Mass. Code Regs. 96.01 to 96.09 (2016/2022)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Michigan", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Mich. Comp. Laws 500.4151 to 500.4166 (2021)", "state_text_status": "partial", "effective_date": "2021-06-29", "effective_date_note": "Act 266 of 2020, effective June 29, 2021 (history line)", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "director_determines", "safe_harbor_registration": "federal_only", "form_type": "state_form", "departure_seen": "yes", "notes": "Disclosure is on a form issued by the director. Other-state training counts when the director determines it is substantially similar. Scope (MCL 500.4153(1)): the model's sentence. Eight section files were read; five section files (4152, 4154, 4156, 4162, 4164) were not in the archive.", "source_urls": "https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-500-4155 (sections 4153, 4155, 4158, 4160, 4163, 4165, 4166 read from Internet Archive copies dated 2025-02-22 and 2025-02-23, with 4153 re-read from a copy current through PA 5 of 2025; section 4151 read from the Internet Archive snapshot of 2026-03-28)", "current_text_checked": "no - Archived copies complete through PA 275 of 2024; section 500.4151 re-read 2026-11-05 from an archive copy dated 2026-03-28, complete through PA 4 of 2026, with the history line unchanged since 2020 Act 266. The five missing section files and the live site were not reachable.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Minnesota", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Minn. Stat. 72A.20 to 72A.2036 (2012/2022)", "state_text_status": "partial", "effective_date": "2023-01-01", "effective_date_note": "Laws 2022, ch. 84, section 25: \"Sections 1 to 19 and 21 to 24 are effective January 1, 2023. Section 20 is effective the day following final enactment.\" Section 20 is the training section (72A.2033); the governor signed on 2022-05-22, so that section took effect the next day, 2022-05-23", "retention_years": 10, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "federal_or_state", "form_type": "state_form", "departure_seen": "yes", "notes": "Seventh training topic on spotting signs that a person may lack the memory or judgment to buy. Producers whose license covered life insurance (a life insurance line of authority) on 2022-12-31 and who wanted to sell annuities had until six months after 2023-01-01 to take the course. Forms prescribed by the commissioner. No scope sentence in 72A.203 to 72A.2036 as read; the best-interest duty attaches to a producer \"when recommending an annuity\" (72A.2032, subd. 1a).", "source_urls": "https://www.revisor.mn.gov/statutes/cite/72A.2032 ; https://www.revisor.mn.gov/statutes/cite/72A.2033 ; https://www.revisor.mn.gov/statutes/cite/72A.2035 ; https://www.revisor.mn.gov/laws/2022/0/84/ (session law, for the date)", "current_text_checked": "yes - Live statute pages; Laws 2022 ch. 84 read live for the date.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Mississippi", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "19 Miss. Admin. Code pt. 2, 18.01 to 18.11 (2021)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Missouri", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Mo. Code Regs. tit. 20, 400-5.900 (2017/2024)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "An archived copy of 20 CSR 400-5.900 dated 2022-12-30 predates the 2024 amendment NAIC lists; not used.", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Montana", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Mont. Code Ann. 33-20-802 to 33-20-807 (2007/2021)", "state_text_status": "read", "effective_date": "2021-10-01", "effective_date_note": "Worked out by the default rule: the enrolled bill, Laws 2021 ch. 432 (S.B. 363), has no effective-date clause, and MCA 1-2-201(1)(a) (MCA 2025) says a statute \"takes effect on the first day of October following its passage and approval unless a different time is prescribed\", which gives 2021-10-01. MCA 33-20-807 uses the same date for its training deadlines", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "components_only", "safe_harbor_registration": "federal_or_state", "form_type": "state_form", "departure_seen": "yes", "notes": "Exempts variable annuities regulated under Title 30, chapter 10. No other-state training clause in 33-20-807, only a clause for course components. Disclosure form is a model form established by the insurance department. Scope (MCA 33-20-802(2)): the model's sentence.", "source_urls": "https://mca.legmt.gov/bills/mca/title_0330/chapter_0200/part_0080/section_0020/0330-0200-0080-0020.html ; sections 0030 to 0070 of the same part ; https://mca.legmt.gov/bills/mca/title_0010/chapter_0020/part_0020/section_0010/0010-0020-0020-0010.html (MCA 1-2-201, default effective date) ; http://web.archive.org/web/2024id_/https://leg.mt.gov/bills/2021/sesslaws/ch0432.pdf (Laws 2021 ch. 432, S.B. 363, Internet Archive copy of the Legislature's PDF; the Legislature's own address answered HTTP 404)", "current_text_checked": "yes - MCA 2025, live pages. The session law was read from an Internet Archive copy of the Legislature's PDF.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Nebraska", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Neb. Rev. Stat. 44-8101 to 44-8109 (2006/2021)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Nevada", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Nev. Admin. Code R109-23 3-27 (2024)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "New Hampshire", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "N.H. Code Admin. R. Ins. 305.01 to 305.08 (2014/2024)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "New Jersey", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "N.J. Admin. Code 11:4-59A.1 to Appendix C (2013/2025)", "state_text_status": "read", "effective_date": "2025-04-21", "effective_date_note": "Adopted 2025-03-27 (R.2025 d.049)", "retention_years": 10, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "federal_or_state", "form_type": "form_in_rule", "departure_seen": "yes", "notes": "NAIC Appendices A through C written into the rule; a substantially similar form is permitted. 15th profile item tied to N.J.S.A. 17B:25-38b. The rule was readopted with the rest of N.J.A.C. 11:4 (58 N.J.R. 1197; see the watch list). Retention (10 years, 11:4-59A.5(a)) and the other-state training clause (11:4-59A.4(k)) come from the consolidated text on Cornell LII, a republisher of the code; the adoption notice did not show them. Scope (11:4-59A.1(b)), read on Cornell LII: the state's own wording, any annuity directly solicited to a consumer plus any recommendation to purchase, exchange or replace an annuity that results in the purchase, exchange or replacement.", "source_urls": "https://nj.gov/dobi/proposed/aa250421njac11_4_59A1.pdf ; https://nj.gov/dobi/proposed/re260316njac11_4.pdf ; https://www.law.cornell.edu/regulations/new-jersey/N-J-A-C-11-4-59A-1 ; https://www.law.cornell.edu/regulations/new-jersey/N-J-A-C-11-4-59A-4 ; https://www.law.cornell.edu/regulations/new-jersey/N-J-A-C-11-4-59A-5 (the three Cornell pages are republished by Cornell LII)", "current_text_checked": "yes - Consolidated 11:4-59A.1 to 59A.5, read 2026-11-05 through Cornell LII, which republishes the code each quarter. Not opened on the state website.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "New Mexico", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "N.M. Admin. Code 13.9.20.1 to 13.9.20.12 (2022)", "state_text_status": "read", "effective_date": "2022-10-01", "effective_date_note": "printed in the rule's effective-date section, 13.9.20.5 NMAC", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "federal_or_state", "form_type": "model_appendix_similar", "departure_seen": "yes", "notes": "Scope sentence: the rule \"applies to any sale or recommendation of an annuity in New Mexico or to a resident of New Mexico, regardless of an insurance producer's state of domicile\". Appendix A is at the end of the rule.", "source_urls": "https://www.srca.nm.gov/parts/title13/13.009.0020.html", "current_text_checked": "yes - Live page.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "New York", "naic_map_status_2026_08_31": "other provisions", "naic_state_page_citation_summer_2025": "none under Model Adoption; Previous Version: 11 NYCRR 224.0 to 224.9 (2011/2018)", "state_text_status": "read", "effective_date": "2019-08-01", "effective_date_note": "Annuities; 2020-02-01 for life insurance", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "not_applicable", "form_type": "none", "departure_seen": "yes", "notes": "Own regulation (Insurance Regulation 187): prudent-person wording, life insurance in scope, 36-month replacement look-back. No specific course required; insurer responsible for adequate training. Record retention follows Part 243; no number in Part 224. No model Appendix A in the text read. Scope (224.1): \"any transaction or recommendation with respect to a proposed or in-force policy\", the state's own wording.", "source_urls": "https://www.dfs.ny.gov/industry_guidance/regulations/final_insurance/rf187_amend01 ; https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/Suitability/Best-Interests-Training ; https://www.law.cornell.edu/regulations/new-york/11-NYCRR-224.1 ; https://www.law.cornell.edu/regulations/new-york/11-NYCRR-224.9 (both Cornell LII copies of the code)", "current_text_checked": "yes - Consolidated 11 NYCRR 224.0 to 224.9, read 2026-11-05 through the Cornell LII copy of the code; it matches these values. Not opened on the state website.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "North Carolina", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "11 N.C. Admin. Code 12.0462 (2022)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "North Dakota", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "N.D. Cent. Code 26.1-34.2-01 to 26.1-34.2-05 (2007/2022)", "state_text_status": "partial", "effective_date": "2022-01-01", "effective_date_note": "H.B. 1160 (2021), \"Annuity transaction practices\": the Legislative Council list \"Effective Dates of 2021 Legislation\" gives \"1160 - January 1, 2022\", and the bill's committee amendment adds \"This Act becomes effective January 1, 2022.\" The Century Code chapter text carries no date", "retention_years": 10, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "federal_or_state", "form_type": "state_form", "departure_seen": "", "notes": "Producers trained before 2022-01-01 have six months to take a new four-credit course or a one-credit course. Form is a model form designed by the insurance department. Scope (26.1-34.2-01.1): \"This chapter applies to a sale or recommendation of an annuity\", the model's sentence without \"any\".", "source_urls": "https://www.legis.nd.gov/cencode/t26-1c34-2.pdf ; https://ndlegis.gov/files/resource/67-2021/effective-dates-legislation/21.9741.01000.pdf (date) ; https://ndlegis.gov/files/resource/67-2021/library/hb1160.pdf (bill file, for the title and the amendment)", "current_text_checked": "yes - Century Code chapter PDF.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Ohio", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Ohio Admin. Code 3901-6-13 (2021)", "state_text_status": "read", "effective_date": "2021-02-14", "effective_date_note": "Rule effective; compliance within six months", "retention_years": 8, "training_one_time_credits": 4, "training_reciprocity": "non_resident_only", "safe_harbor_registration": "federal_only", "form_type": "model_appendix_similar", "departure_seen": "yes", "notes": "Other-state training is accepted for non-resident agents only. Safe harbor lists federal registration only. Scope (3901-6-13(C)(1)): the model's sentence.", "source_urls": "https://codes.ohio.gov/ohio-administrative-code/rule-3901-6-13 (read from http://web.archive.org/web/20260713192939/https://codes.ohio.gov/ohio-administrative-code/rule-3901-6-13 )", "current_text_checked": "yes - Archived copy of the state page, snapshot 2026-07-13; the live site refused the connection.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Oklahoma", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Okla. Admin. Code 365:25-17-1 to 365:25-17-9 (2005/2007)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "NAIC lists Oklahoma under Model Adoption with years 2005/2007, which look older than the 2020 revisions; open the Oklahoma text before relying on that status.", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Oregon", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Or. Rev. Stat. 743.252 to 743.273 (2023)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Pennsylvania", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "40 Pa. Stat. Ann. 627-1 to 627-8 (2010/2022)", "state_text_status": "read", "effective_date": "2022-06-20", "effective_date_note": "Act 99 approved 2021-12-22, effective in 180 days (date per the Insurance Department)", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "", "safe_harbor_registration": "federal_only", "form_type": "state_form", "departure_seen": "", "notes": "Statute (Insurance Company Law of 1921). Producers trained under the earlier version get six months to take either course. The four credits are due by the end of the producer's next complete license period. Form is a department model form following Appendix A. Scope (Sec. 402-B(a), as amended by Act 99): the model's sentence, once the Act strikes the older wording.", "source_urls": "https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=PDF&SessYr=2021&ActNum=0099.&SessInd=0 ; https://www.pa.gov/agencies/insurance/laws-regulations-notices/act-99-2001-pa-annuity-best-interest-standard", "current_text_checked": "no - Amending act read; consolidated text not opened. The Insurance Department page, read live 2026-11-05, still gives June 20, 2022 as the effective date.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Rhode Island", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "230 R.I. Code R. 20-25-1.1 to 20-25-1.11 (2011/2022)", "state_text_status": "read", "effective_date": "2021-04-01", "effective_date_note": "Section 1.10: the amendments take effect on April 1, 2021. Rule history also lists an amendment effective 2021-04-02 and a periodic refile effective 2022-01-04 with no text change", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "mixed", "form_type": "model_appendix_similar", "departure_seen": "", "notes": "Safe harbor: broker-dealers registered under federal or state securities laws; advisers registered under federal securities laws. Appendix A is issued in a bulletin on the Department's website. Scope (1.3): the model's sentence, plus a line that one recommendation may be pursued under this Part and under R.I. Gen. Laws chapter 7-11.", "source_urls": "https://rules.sos.ri.gov/regulations/part/230-20-25-1", "current_text_checked": "yes - Live page, active rule.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "South Carolina", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "S.C. Code Ann. Regs. 69-29 (2022)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "South Dakota", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "S.D. Codified Laws 58-33A-13 to 58-33A-27 (2008/2022)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Tennessee", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Tenn. Comp. R. & Regs. 0780-01-86-.01 to 0780-1-86-.10 (2008/2015/2023)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Texas", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Tex. Ins. Code 1115.001 to 1115.102 (2007/2021)", "state_text_status": "read", "effective_date": "2021-09-01", "effective_date_note": "H.B. 1777; training required for annuities sold on or after 2022-01-01 (TDI bulletin B-0021-21)", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "", "safe_harbor_registration": "federal_or_state", "form_type": "model_appendix_similar", "departure_seen": "", "notes": "One credit for an older course. Retention runs to the fifth anniversary. Scope: the enrolled bill makes Sec. 1115.003(a) read \"any sale of\" an annuity and strikes \"recommendation to purchase, replace, or exchange\", so \"recommendation\" is not in the sentence. Enrolled bill and TDI bulletin read from archived copies; codified chapter 1115 and the TDI rule not read.", "source_urls": "https://capitol.texas.gov/tlodocs/87R/billtext/pdf/HB01777F.pdf ; http://www.tdi.texas.gov//bulletins/2021/B-0021-21.html", "current_text_checked": "no - Enrolled bill (2021) and bulletin read from archived copies.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Utah", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Utah Admin. Code R590-230 (2004/2023)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Vermont", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Vt. Reg. I-2023-01 (2024)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Virginia", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "14 Va. Admin. Code 5-45-10 to 5-45-50 (2021)", "state_text_status": "read", "effective_date": "2021-09-01", "effective_date_note": "Va. Register Vol. 37, Iss. 23", "retention_years": 5, "training_one_time_credits": 4, "training_reciprocity": "other_state_ok", "safe_harbor_registration": "federal_or_state", "form_type": "state_form", "departure_seen": "yes", "notes": "Agents whose license covered life insurance and annuities (a life insurance and annuities line of authority) before 2021-09-01 and who sell annuity products had until 2022-03-01 to take the course. The commission publishes its own Producer Disclosure for Annuities form, with refusal and not-recommended statements on its own forms. Safe harbor names federal or the Virginia Securities Act. Scope (14VAC5-45-10): the model's sentence.", "source_urls": "https://law.lis.virginia.gov/admincode/title14/agency5/chapter45/", "current_text_checked": "yes - Live pages dated 2026-11-04.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Washington", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Wash. Rev. Code 48.23.015 (2009/2023)", "state_text_status": "partial", "effective_date": "2024-01-01", "effective_date_note": "2023 c 64 s 3", "retention_years": 5, "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "federal_or_state", "form_type": "model_appendix_similar", "departure_seen": "", "notes": "Form as published on the commissioner's website. Training is not in RCW 48.23.015 and was not read. Scope (48.23.015(1)): the model's sentence.", "source_urls": "https://app.leg.wa.gov/RCW/default.aspx?cite=48.23.015", "current_text_checked": "yes - Live page.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "West Virginia", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "W. Va. Code R. 114-11B-1 to 114-11B-8 (2008/2011/2023)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Wisconsin", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Wis. Stat. 628.347 (2004/2022)", "state_text_status": "partial", "effective_date": "2022-10-01", "effective_date_note": "Printed in the Office of the Commissioner of Insurance bulletin of 2022-06-29: \"The changes in this Act become effective October 1, 2022.\" 2021 Wis. Act 260 (signed 2022-04-15, published 2022-04-16), s. 27, gives the same date: it takes effect on the first day of the 6th month beginning after publication. The months beginning after publication run May (1st) to October (6th), so the 6th starts 2022-10-01", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "federal_or_state", "form_type": "state_form", "departure_seen": "", "notes": "Uses the term insurance intermediary. Act 260 defines \"financial professional\" as an insurance intermediary \"regulated and acting as\" a broker-dealer or investment adviser registered under federal or state securities law, or a plan fiduciary. Forms for Appendices B and C are to be posted on the Office of the Commissioner of Insurance (OCI) website; the Appendix A form is on that website per the 2022 bulletin. Not read: retention, the base training credits and other-state training are in parts of s. 628.347 that Act 260 did not restate, and the statute itself was not read. Scope: Act 260 has no scope sentence; the duty attaches to an insurance intermediary \"when making a recommendation of an annuity\" (s. 628.347(2)(a)); the statute's own scope wording was not read.", "source_urls": "https://docs.legis.wisconsin.gov/2021/related/acts/260.pdf (read from http://web.archive.org/web/20250209024136id_/https://docs.legis.wisconsin.gov/2021/related/acts/260.pdf ) ; https://oci.wi.gov/Documents/Regulation/Bulletin20220629BestInterest.pdf", "current_text_checked": "no - 2021 Wis. Act 260 (2022) read from an archived copy of the Wisconsin Legislature PDF dated 2025-02-09; the 2022 bulletin was read live on 2026-11-05. The live statute page refused the connection; later amendments and the rest of s. 628.347 not checked.", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." }, { "jurisdiction": "Wyoming", "naic_map_status_2026_08_31": "adopted", "naic_state_page_citation_summer_2025": "Wyo. Admin. Code 044.0002.64, 1 to 9 (2014/2023)", "state_text_status": "not_read", "effective_date": "", "effective_date_note": "", "retention_years": "", "training_one_time_credits": "", "training_reciprocity": "", "safe_harbor_registration": "", "form_type": "", "departure_seen": "", "notes": "", "source_urls": "", "current_text_checked": "", "last_verified": "2026-11-05", "stale_after": "2027-05-04", "caveat": "Educational information, not legal advice. NAIC status is NAIC's reading. The state's text controls. Rows with state_text_status not_read were not checked against the state's text and show NAIC status only. No license is granted; the dataset page says how to cite." } ] }