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are agents collectively licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent insurance companies in the states of AL, CA, CT, DC, DE, FL, GA, HI, IL, IA, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, NC, NJ, NY, OH, OK, OR, PA, SC, TN, TX, VA, VT, WA, WI, WV.