Insurance License Defense

Protect your Insurance license

Unlock Legal represents insurance agents and brokers who have issues with the California Department of Insurance (CDI).

Was your application to the CDI rejected (or you’re worried it will be)? Are you under investigation? Do you have a pending criminal matter or a criminal conviction? Whatever your concern, Unlock Legal can help you. We are the experts in defending professionals and protecting their licenses. If your license is in jeopardy for any reason, contact us immediately for a free consultation.

When you sought out your insurance license you were following your passion. It is our passion to keep you doing what you want to do with your career and your life.

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License Applications, Denials and Statement of Issues

Applying for your license is exciting because it is one of the last hurdles before you can begin your career. For many the application process with the CDI is straightforward and simple. However, for some, past criminal convictions or other issues can lock them up. The attorneys at Unlock Legal will complete and file your application on your behalf to make sure that you have the best chance of having it granted. If you have submitted your application and it has been denied, you are not locked out of your career. A denial of your application is called a Statement of Issues. We will defend you to the CDI with the intention that you are granted your license free and clear. If you must be on probation, we will negotiate the best possible terms and conditions. A part of your defense may be cleaning up any past criminal issues to show your rehabilitation to the licensing body.

Investigation

If someone files a complaint against you with the CDI, the CDI Investigation Division may instigate an investigation against you. The CDI Investigation Division investigates suspected fraud committed by insurance agents, brokers, public adjusters, bail agents, insurance companies and other individuals and entities transacting the business of insurance who perpetrate fraud against consumers. If an investigation occurs, the attorneys at Unlock Legal will request a copy of the complaint, assist you in preparation of any statement, prepare you for the investigation interview, and represent you at the interview with the investigator. It is important to have experienced counsel with you at an investigation interview to assist you in answering any questions appropriately, and advising you when not to speak. With the right advice and counsel an investigation may end at the interview stage. If not, your licensing body may choose to file a formal complaint against you called an Accusation.

Accusations

An Accusation is a formal complaint drafted by the attorneys for the CDI. It alleges various causes of action against you which may stem from conviction of a crime, and/or allegations of other bad acts like substance abuse, or deviation from the standard of care. You have only 15 days to send a Notice of Defense once you have been served with an Accusation. If you miss the deadline a default order may be rendered against you resulting in the revocation of your license. It is imperative that you hire experienced counsel to represent you if an Accusation has been filed against you. Time is of the essence, and your career and livelihood is at stake.

Reinstatement of License

If you have lost your license you are not locked out of the career of your choice. You can apply to the CDI again at any time. However, your application may be summarily denied (denied without a hearing) for five years after your initial denial. The attorneys at Unlock Legal can assist you in unlocking your license in the most expedient way possible. We love to get our insurance agents and brokers back to work as soon as possible!