Activities that Require a License FAQ

• Dispensing insurance brochures and other general information (so long as there is not conversation relating to the terms of insurance or a contract).
• Disseminating buyers’ guides, applications for coverage, coverage selection forms or other similar forms in response to a request from a current or prospective policyholder.
• Providing information about the licensed insurance producer (agent) or the agency, and offering to send brochures about the producer’s services.
• Giving a current or prospective policyholder the name and contact information of a licensed insurance producer.
• Giving a licensed insurance producer the name, contact information and a message from a current or prospective policyholder.
• At the request of a current or prospective policyholder, receiving and recording information from the policyholder to give to a licensed insurance producer for response. 
• Scheduling appointments for a licensed insurance producer and a current or prospective policyholder.
• Recording the responses of a current or prospective policyholders to questions on an application for insurance (so long as there is not conversation relating to the terms of insurance or a contract and the completed application is given to a licensed insurance producer to review and sign and for underwriting).
• When initiated by a current or prospective policyholder, communicating to obtain factual information necessary for a licensed insurance producer to complete a review (so long as there is not conversation relating to the terms of insurance or a contract).
• Receiving completed applications for insurance coverage for transmittal to a licensed insurance producer or for processing through an automated system developed and maintained under the supervision of an insurer or a licensed insurance producer (a CSR may not sign the license application).
• Relaying a request for additional information from a licensed producer to an insured or prospective insured.
• Receiving premiums at the recorded place of business where the payment is being made on a binder, endorsement, or existing policy for which the transaction was conducted by a licensed insurance producer. Receiving and recording an insured’s request concerning any additions or deletions to an existing policy for review by a licensed insurance producer, and preparing the appropriate endorsements or processing the appropriate changes after approval from the licensed insurance producer.
• Informing the insured as to his or her coverages as indicated in the policy records.
• Receiving telephone calls reporting additional or replacement items (vehicles, property, drivers) for policies currently in force.
• Opening mail, office filing and mailing billings.

The list below includes, but is not limited to, activities require a license as an insurance producer:

• Disseminating information or quoting rates secured by reference to a published or printed list or computer database of standard rates.
• Discussing, interpreting, or elaborating upon the information contained in an insurance brochure, application or other sales literature.
• Giving advice or describe the specific characteristics of coverages of an annuity or insurance product.
• Discussing rates, sales charges, or tax treatments of any product or attempting to answer any insurance or annuity questions.
• Soliciting customers to purchase insurance or annuity products.
• Explaining information on an insurance application or signing an insurance application.
• Receiving commission or other compensation, which varies with the volume of applications or premiums.
• Explaining, discussing, or interpreting coverage; analyzing exposures or policies; or giving opinions or recommendations pertaining to insurance products.
• Discussing the effect of age, health, or other risk-related conditions to a current or prospective policyholder.
• Counseling, urging, or advising any current or prospective policyholder to buy a particular policy or to insure with a particular company.
• Obtaining underwriting information from other sources, including but not limited to, credit agencies, SOS, other insurance agencies or companies.
• Indicating that requested coverage is or will be bound or issued.
• Preparing an application for insurance.
• Binding coverage.
• Requesting and reviewing information relating to the audit of records or loss control on underwriting verifications and inspections; requesting and reviewing the results of a physical examination of a prospective policyholder named in a submitted application; requesting and reviewing information from persons other than the applicant; deciding that the applicant meets the insurer’s underwriting criteria; approving the mailing of the policy to the policyholder.
• Signing an application or using the his/her own signature stamp.
• Receiving any compensation which varies with the volume of applications or premium.