Not Licensed Yet? You Can Still Apply.

Many great producers start unlicensed. What matters most is that you’re coachable, committed, and willing to start the licensing process immediately if approved.

Apply Now

What Licensing Means

To help families with insurance solutions, you’ll need a state life insurance license (requirements vary by state). Licensing generally includes:

  • Pre-licensing education

  • A state exam

  • Background check / fingerprints

  • Application through your state Department of Insurance

Our Expectation

If you’re accepted, you’ll be expected to:

  • Begin the licensing process right away

  • Complete onboarding steps and training while licensing is in progress

  • Follow our compliance and communication standards

What You Can Do While Unlicensed

While you’re working on licensing, you can:

  • Train on the systems and process

  • Build your warm market list and outreach habits

  • Book discovery calls (as allowed) and learn the appointment flow.

  • Shadow calls and learn the presentation structure

    (All client recommendations/transactions must follow licensing rules.)

Start your licensing today!

Timelines vary by state and personal schedule. Most people who stay consistent can complete licensing in a matter of weeks, not months.

Frequently Asked Questions

Question 1: Do I need to be licensed to apply?

No. You can apply without a license. If you’re accepted, you’ll be expected to begin the licensing process right away.

Question 2: What license do I need?

Most new producers start with a Life Insurance license (requirements vary by state). We’ll confirm the exact steps for your state during onboarding.

Question 3: How do I start the licensing process?

Use our partner link to enroll through XCEL Solutions and begin your pre-licensing course:

Start Licensing:  https://partners.xcelsolutions.com/WAI

Question 4: Do you offer a discount for licensing?

Yes. We provide a discount code to help reduce licensing course costs.

Question 5: How long does it take to get licensed?

It depends on your state and your study schedule. Many people complete licensing in a few weeks when they stay consistent.

Question 6: What are the typical steps to get licensed?

In most states, the process includes:

Pre-licensing education

State exam

Background check / fingerprints (as required)

License application with your state

Question 7: Can I start training while I’m unlicensed?

Yes. You can begin training, learn scripts, and build your daily activity habits while working toward licensing. Any client-facing recommendations or transactions must follow licensing rules.

Question 8: What if I fail the exam the first time?

It happens. The key is to regroup, follow a study plan, and retest. We’ll help you stay on track with clear expectations and support resources.

Question 9: Will TWA pay for my licensing?

Licensing costs are typically the responsibility of the agent. We provide a partner path and discount to reduce out-of-pocket costs.

Question 10: What happens after I get licensed?

Once licensed (and approved), we’ll guide you through next steps like contracting/appointment support based on your role and state.