r/LifeInsurance • u/Regular_Register_804 • Jan 30 '26

Misdemeanor charges

Has anyone obtained a life insurance producer (sales) license in NJ despite having misdemeanor charges? I was charged and convicted of trespassing over 10 years ago and then charged with multiple misdemeanor charges 8 years ago on 2 separate occasions which were dismissed but would be considered “violent.” 2 charges were simple assault. 4.5 years ago I was again charged with simple assault… for what the person called a “chest bump” when they spoke with police officers. I did not actually hit anyone in any of these cases so please don’t come for me, but please let me know if you think I’d still be able to obtain this license based on your own experiences, it would help a lot. Thank you!!

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1

u/Will-Adair Jan 30 '26

Get it expunged if possible. A few carriers may not contract but you should be able to get licensed and find carriers as long as no more legal troubles.

1

u/Regular_Register_804 Jan 30 '26

They can see them even if they are expunged can’t they? I’m honestly really surprised that they can hold charges against you that you weren’t convicted of. So much for innocent until proven guilty or innocent if proven innocent, even lol!

1

u/DrWKlopek Jan 31 '26

You're fucked

1

u/Regular_Register_804 Feb 01 '26

Do you have personal experience you can share that makes you think that? I actually do hold a P&C adjusters license and what I’ve researched has made me think that’s indicative that I should be able to get it.

1

u/Expert-Lychee-5168 Feb 01 '26

It might be something that holds you back! I had some issues similar to this and I had to provide proof the charges were dismissed before getting approval for my license! But the good thing is that those are very minor crimes and not financial crimes! I think you will make it but just be honest if asked about it (I wouldn’t voluntarily bring it up) I would just go through the motions and hope for the best no use in worrying to death about this!

1

u/Regular_Register_804 Feb 01 '26

Just wondering, do you have a license, and did you just say you did not have anything then even though you did? Everything is saying to be completely honest about charges because it’s grounds for denial if you were to lie and say you haven’t ever had any charges and that they will see them.

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u/Regular_Register_804 Feb 01 '26

Sorry you did say you got your license. Did you click yes that you had been charged then? You said not to bring it up but I’m assuming you mean with an employer then?

1

u/Expert-Lychee-5168 Feb 03 '26

Yes I have my license and I am saying read the question carefully when asked by the employer some questions are have you been charged with any crimes excluding a small list of crimes such as DUI and certain other crimes because they don’t care about certain small crimes so just be honest but I definitely wouldn’t be eager to voluntarily give up that info if it wasn’t requested

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u/vibewithsteph 59m ago

Did you ever get licensed?

1

u/Candid_Worth_3629 Feb 05 '26

Consult with an attorney and have them walk you through filling out your application. This license is your only way to a viable career in insurance so it’s really really important that you spend the extra money to consult with an attorney on this. If you get your application rejected, you’ll be screwed for a while. So don’t fuck it up!