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License Requirements Regarding Securities Replacements

An increasing number of states are publishing guidance concerning the extent to which an agent with an insurance-only license can discuss registered products, such as mutual funds or variable insurance, with a client. Certain states now prohibit an insurance-only licensed agent from replacing mutual funds or variable products as a part of the sale of a fixed annuity. The Company monitors applications to ensure that the agent is properly licensed as required by the state in which the application is written. Where necessary, this will include checking to ensure that the agent does have proper licensing to recommend the replacement of a registered product.

Bulletins have been published in Arkansas, Iowa, Tennessee, Utah and Vermont. Before writing an application in one of these states, you should review the bulletins available below.

Arkansas Bulletin  
Iowa Bulletin
Tennessee Bulletin  
Utah Bulletin  
Vermont Bulletin  


EquiTrust does not offer investment advice to any individual or agent and this material should not be construed as investment advice.
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