Carrier AML certification is the documentation that confirms an insurance producer has completed an approved anti-money laundering (AML) training program that meets a carrierTMs compliance requirements. Under the USA PATRIOT Act and related regulations, life insurers must maintain AML programs, including training for agents and brokers who sell certain products, especially those with cash value or money-movement features. Carriers often rely on third-party platforms or industry organizations to deliver standardized training and then record certifications in their producer-appointment systems. Without current AML certification, a producer may be unable to place new business with that carrier.

Producers complete AML training annually or on carrier-specified cycles and ensure that certificates are transmitted to each insurer they represent, either automatically or via uploads. BGAs and compliance departments track carrier AML certification status to prevent delays in new-business processing. When a producerTMs certification lapses, carriers may hold applications or decline to issue policies until training is updated. Understanding carrier AML certification requirements helps advisors stay appointment-ready and avoid administrative roadblocks that frustrate clients and slow down case placement.