Can I use an insurance agent who is licensed in a different state?

Yes. A producer must hold a license in every state where business is conducted, but most states grant a nonresident license by reciprocity to an applicant who holds an active, comparable home-state license in good standing. You apply through the National Insurance Producer Registry and pay that state's fee, and the exam and prelicensing education are typically waived. Applicants relying on a recently cancelled out-of-state license generally must apply within 90 days to keep the exemption.

Yes, provided the agent holds a Maine nonresident producer license. Maine issues these to producers with an active resident license in their home state; no Maine exam and no certification or clearance letter is required, and the fee is $55. Note that the license alone does not authorize business, since the agent must also be appointed by the insurer represented.

No, an agent must hold a Wyoming license to sell, solicit, or negotiate insurance in the state, regardless of where the agent lives. An out-of-state agent can obtain a Wyoming nonresident producer license if licensed in good standing for similar lines of authority in their home state. Wyoming grants nonresident licenses by reciprocity on the same basis.