Law Survey

Senior-Specific Certifications

Producer Use of Senior-Specific Certifications

Revised:  October 2021

ACLI Law Surveys are revised annually.

This multi-state survey tracks state regulation of producer use of senior specific certifications. In 2008, the National Association of Insurance Commissioners (NAIC) adopted its Model Regulation on the Use of Senior-Specific Certifications and Professional Designations in the State of Life Insurance and Annuities (NAIC 278). The provisions of the NAIC Model Regulation were based on a similar model rule adopted by the North American Securities Administrators Association (NASAA) which applied to securities only. Many states have adopted the NAIC model in regard to the use of certain designations used in connection with the sale or purchase of life insurance or annuities. Some states have adopted the similar model of the NASAA which applies to products defined as securities. Please refer to ACLI’s Law Survey, The Status of Variable Contracts Under State Securities and Insurance Laws, for more information on products defined as securities. 

This survey gives the provisions of the NAIC model followed by a description of each state’s provisions dealing with the use of senior-specific credentials and the effective date of each. 

ACLI Law Surveys contain live links to the Westlaw data base where you'll be able to view the text of the laws, regulations, and bulletins cited in the surveys.

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Date Posted: October 11, 2021
Document ID: LS-LILS42
Contact: Gigi Somers, 202-624-2191