There is a big difference. Each license gives you authority to sale insurance however some of the larger agencies bring trainees in as temporary agents, but trainees are brought in as state approved temporary agents. Most trainees at first are unaware that they are given 15 months to pass the state exam. Within the first months six months you have to take the exam. If you do not pass, you are given six additional months to set and pass, however if a third attempt is needed, you have the additional three months to set and pass. After the third attempt without passing, your temporary license is terminated. On the hand, with your limited sub- agent license, as long as you are in good standing with your sponsor, the state and your CE hours are up to date, then you will retain your license each and every year.