What does P&C and L&H stand for in insurance?
I keep seeing these abbreviations in insurance. What do they stand for?
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Answered on Jul 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“P&C and L&H are two types of insurance licenses.
P&C stands for Property and Casualty. L&H stands for Life and Health.
An agent with a Property and Casualty license can sell personal lines of insurance like home insurance and car insurance.
An agent with a Life and Health license can sell life and health insurance.
It is possible for an agent to have multiple licenses within a state or other states. Every state also has different requirements for becoming licensed in each insurance line.
While it varies, most licenses require you to take a course and an exam. You’ll also have to submit an application to the state for approval by the Superintendent of Insurance.
Without these licenses, an agent is not legally allowed to sell insurance.”
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