We deal with this on a daily basis at Turris and are always happy to have a conversation about best practices. •
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each high-risk state who are correctly tied to a properly licensed and qualified entity.
• Count of high-risk states where you have any instate presence( office, employees, etc.).
Step 4: Decide your operating model
• Centralize foreign registrations and licensing under one compliance function or software, or partner with a specialized vendor to manage both on your behalf.
• This will help identify triggers to determine whether registration is required when entering a new state.
Step 5: Bake into the annual compliance budget Create line items for:
• New foreign qualifications( projected expansions, acquisitions, mergers, new program launches),
• Maintenance fees( annual / biennial reports, registered agent, taxes),
• Remediation funds for catch-up registrations if prior years were missed, and
• Vendor costs if going that route.
Ongoing Maintenance: Staying Compliant Year After Year Once you are foreign-qualified, you must maintain that status in parallel with your insurance licenses:
• Annual reports and fees with the SOS
• Privilege, franchise, and corporate tax filings
• Timely updates for name changes, mergers, changes of officers / managers, and principal office addresses
Integrate SOS compliance into your existing licensing management software or calendar so renewals, corporate filings, and DOI dates are tracked together. Every new state license triggers a review of foreign qualification needs. Every new office, remote hire, or distribution arrangement in a state prompts the same review.
CLOSING OUT
Navigating foreign registration requirements
across multiple states is complex, and the rules are constantly evolving. Whether you’ re building out your compliance function internally or looking for a partner to manage it on your behalf, the most important step is simply getting started.
We deal with this on a daily basis at Turris and are always happy to have a conversation about best practices. •
Wendy Boe, CIC, FLCS, CRM is the Head of Compliance for Turris, an InsurTech working to fully automate your internal licensing and individual agent onboarding. Run renewals, centralize documents, and cut down on one-off requests from your carrier partners.. Wendy has over 25 years of insurance industry experience, including deep knowledge of compliance from her various roles. Info at turrisfi. com
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