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Before making a decision to become licensed in New York, candidates should become familiar with the types of licenses New York has to offer.

New York Insurance Licenses

New York offers four types of insurance licenses as follows:

1. Life, Accident and Health insurance agents
2. Property and Casualty insurance agents
3. Life, Accident and Health insurance brokers
4. Property and Casualty insurance brokers

All licenses require the candidate to have adequate insurance knowledge and/or pre-licensing education. The major difference between an agent and a broker is the agent represents the insurance company while a broker represents the insured. Agents are appointed by an insurance company and works on behalf of the insurance company. Brokers represent the insured and have access to several insurance companies.

• Contract Dispute Act

  70. The Contract Disputes Act The CDA applies to nearly all contracts[FN1] with the government, express or implied, executed on or after March 1, 1979, for:

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