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AML - Anti-Money Laundering


The Department of the Treasury recently finalized a ruling stating that as of May 2, 2006, all life insurance companies must develop an Anti-Money Laundering (AML) program that includes training for all licensed agents affiliated or representing insurance products for their firm.

The statute mandates that the AML program must include the availability of an anti-money laundering course which can be provided by the firm or a 3rd party, but must be approved by the contracted carrier. In conjunction with NAILBA & LIMRA, Professional Life Underwriters Services (PLUS) has provided you free access to an AML training program. This should fulfill this requirement with the following PLUS carriers:

  • American General
  • American National
  • AXA
  • Banner
  • Genworth
  • John Hancock
  • Lincoln National
  • Mass Mutual
  • MetLife
  • Mutual of Omaha
  • Nationwide
  • Protective
  • Prudential
  • Voya Financial

Other PLUS carriers may be added or removed as products are updated so it is always good to confirm with our Licensing and Contracting department what the requirements are so you are compliant. NAILBA & LIMRA expect that additional companies will be added to this list soon. We recommend that you complete the training anyway. As carriers sign on to this course they will be able to see that you have already completed the training.


AML Training Frequently Asked Questions.

Do I need to complete the training?
If you sell any plans that have cash value including whole life, universal life, variable life, annuities and return of premium. However, some carriers are requiring that all appointed agents complete the training.

How long will the training take to complete?
Approximately 40 minutes (Initial training) and 10 minutes (Annual refresher).

How do I complete the training?

What if I don’t complete the AML training?
Then you are out of compliance. The insurance company could reject your business, hold your commissions, require you complete the training before your policy is issued or ask you to complete it before you submit your next case (to name a few).

What if I want to write business with a company not listed above?
Each company can and may develop their own AML program. The company will notify you to let you know what they would like you to complete.

How will the insurance company know that I’ve completed the training?
When you complete the training you must indicate what insurance companies you are appointed with. Doing this will allow the companies that you’ve chosen to see that you’ve completed your training. You may need to periodically go back to the website and add companies you become appointed with or wish to become appointed with. It would also be a good idea to print the completion page for your own records.

What if I am not computer friendly?
Call your Relationship Manager or the PLUS Marketing Team at (800) 887-7587, Option 2. You can make an appointment to come into our office or we can have someone come to yours. We would be happy to get you set up and help you navigate through the training process.

What if I have already completed Anti-Money Laundering training for a securities license that I have?
Unfortunately, you will need to complete this training again for your life insurance license. We agree with you that the insurance and securities industries should get together and develop a universal training but until then, this training should be completed. You can also contact PLUS as some broker/dealers have registered their AML with carriers and this can be confirmed.

What if I have problems with the website? Or have forgotten my user name or password?
Since this is not a website that PLUS maintains, we do not have access to make changes or look up your password information. You can call NAILBA/LIMRA to for support at (866) 364-2380.

How often am I required to complete the training?
After the initial course completion, a refresher course is required with most carriers and is required every 24 months.  This can be confirmed by contacting a member of the PLUS Marketing Team. For more details, please contact your Relationship Manager or the PLUS Marketing Team at (800) 887-7587, Option 2.

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Annuity & LTC Agent Training Requirements

Before taking an annuity or long term care application, it is important that you are aware of the training requirements.

  • As many carriers require product specific training, PLUS can assist you by directing you to CE providers, training websites and carrier training links. For more information, please contact Debby Lawrence at (248) 603-3656 for assistance.

Continuing Education Credits

Check an agent’s license and continuing education status:

Various continuing education providers:

Non-resident Licensing

Link to National Insurance Producer Registry

To apply or renew a non-resident license, click on the Licensing & Renewal section in the upper left corner of the page.

To review your status, go to the “State Insurance Departments” links which can be accessed on the right hand side of the page.

An agent can even update their resident state address by going to “Contact Change Request” located under the Other Services section on the left side of the page.

Note: most states require that you notify them within 30 days of changing your address.

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2155 Butterfield Dr., Suite 102 South, Troy MI, 48084 · Phone: 1.800.887.7587 Fax: 248.603.3595 

Securities offered through The Leaders Group, Inc. Member FINRA/SIPC
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