Pre-appointment States
| Carrier | Pre-Appointment States vs. Just in Time (JIT) |
| Lincoln Financial Group | Pennsylvania. All other states are JIT. |
| Mutual of Omaha | Pennsylvania, Oklahoma, and Montana. All other states are JIT. |
| NGL | Montana, Pennsylvania, Washington and Wisconsin. All other states are JIT |
| Nationwide | Pennsylvania. All other States are JIT. |
| OneAmerica | Alabama. All other states are JIT.(OA will not backdate for DE,DC,GA, LA,NE,NH,NM,SC,SD,TX, WY) |
| Securian | Pennsylvania, Georgia and Wisconsin. All other states are JIT. |
| Thrivent | Pennsylvania, Wisconsin and Georgia. All other states are JIT. |
Fraternal License
| Thrivent | CT, DE MA, and NM. How to obtain a fraternal license. |