Texas Statutes and Rules Common to All Lines

b

A producer who fails to segregate premium monies from his own personal funds is guilty of A. Theft. B. Commingling. C. Larceny. D. Embezzlement.

d

A risk manager's license is good for how many years? A. 5 B. 4 C. 3 D. 2

d

A temporary license holder can receive a commission from a sale made to all of the following EXCEPT A. The license holder's spouse's best friend. B. An accountant at a rival insurance company. C. The license holder's family doctor. D. The license holder's sister-in-law.

a

Anyone who violates the Insurance Code of Texas may be fined up to A. $25,000. B. $5,000. C. $10,000. D. $20,000.

b

Within how many years must an agent renew an insurance license? A. 1 B. 2 C. 3 D. 4

a

Circulating deceptive sales material to the public is what type of Unfair Trade Practice? A. False advertising B. Defamation C. Coercion D. Misrepresentation

c

How long must producer maintain records of continuing education course completion? A. 1 year B. 3 years C. 4 years D. 5 years

a

No one whose license has been revoked can receive another license in Texas for A. 5 years. B. 6 months. C. 1 year. D. 2 years.

b

Which of the following is the closest term to an authorized insurer? A. Legal B. Admitted C. Certified D. Licensed

a

A Managing General Agent must complete the continuing education requirements that are set for A. A Local Recording Agent. B. A Risk Manager. C. A Surplus Lines Agent. D. An adjuster.

c

A nonadmitted insurer who provides insurance coverages that are not available from an admitted insurer is called A. Capitol stock insurer. B. Reciprocal insurer. C. Surplus lines insurer. D. Assessment mutual insurer.

b

A person who, for a fee, examines, evaluates and assesses contracts of insurance for another and offers advice on methods of reducing risk, must be licensed as A. A surplus lines agent. B. A risk manager. C. A general agent. D. An insurance service representative.

c

In Texas, the state's continuing education requirement A. Cannot be extended or waived under any circumstances. B. Applies to life, annuity, and accident and health licensees only. C. Consists of completing 24 hours of CE each biennium. D. Must be completed by all licensed resident and nonresident agents.

b

The Commissioner of Insurance issues a Cease and Desist Order to an agent. If the agent wishes to contest the charges in court, how many days after the order was issued does the agent have to make the request? A. 10 days B. 30 days C. 60 days D. 90 days

b

What percentage of continuing education hours must be in a classroom setting? A. 25% B. 50% C. 75% D. 100%

b

Which entity has the authority to grant a temporary life insurance agent's license? A. A licensed agent B. Commissioner of Insurance only C. Federal Board of Insurance Licensing D. Both the Commissioner and the Federal Board of Insurance Licensing

d

Which of the following activities may be performed by a Managing General Agent? A. Appoint agents for the insurer B. Adjust losses for the insurer C. Direct the activities of Local Recording Agents for the insurer D. All of the above

d

Which of the following best describes an insurance company that has been formed under the laws of this state? A. Sovereign B. Alien C. Foreign D. Domestic

c

Which of the following best describes the unfair trade practice of defamation? A. Issuing false advertising material B. Refusing to deal with other insurers C. Making derogatory oral statements about another insurer's financial condition D. Assuming the name and identity of another person

c

Which of the following insurers are owned by stockholders who have the usual rights of ownership, including the right of voting? A. Reciprocal B. Fraternal C. Stock D. Mutual

c

Who do agents represent? A. The insured B. The DOI C. The insurance company D. Their clients

d

Who might receive dividends from a mutual insurer? A. Subscribers B. Stockholders C. Agents D. Policyholders

a

All of the following statements apply to temporary licenses EXCEPT A. They may be renewed. B. They require 40 hours of license training. C. They may be issued without a written examination. D. They are valid up to 90 days.

b

All of the following are types of adjuster's licenses available in this state EXCEPT A. Property and casualty adjuster. B. Life and health claims adjuster. C. Workers compensation and employer's liability adjuster. D. All lines adjuster.

d

All of the following are requirements for applicants for a Risk Manager license in Texas EXCEPT A. Be at least 18 years of age. B. Pass a licensing exam. C. Maintain a place of business in Texas. D. Have at least 2 years of insurance experience.

c

An Insurance Service Representative may perform any of the assigned duties in the office of a property and casualty agent, EXCEPT A. Quote insurance premium rates. B. Issue binders with the express approval of an agent. C. Solicit applications for insurance. D. Explain insurance coverages of a policy.

b

An agent completed a CE course in 2019. Until what year must the agent keep the records of completion? A. 2020 B. 2023 C. 2024 D. 2029

b

An agent holds an insurance license in the state of Kansas and would like to transact insurance in Texas. The agent became licensed before written examinations were required. Therefore, the agent has not actually passed any kind of examination. Which of the following is true? A. If the agent has practiced for more than 30 years, the written requirement is waived. B. The written examination requirement will be waived. C. The agent will need to take either the Kansas or Texas written examination. D. The agent must take a special transition class and pass a short examination administered at the end.

c

An agent licensed in Texas is moving to Kansas. Which of the following applies? A. Any of the agent's policies written in the 3 months leading up to the move will be reviewed by the Commissioner. B. The agent must refrain from writing insurance policies until after the move. C. The agent has 30 days to notify the Department of Insurance of the new address. D. The agent must inform all clients of the move and recommend a new agent.

b

An agent's license will terminate within how many days from the due date of obligatory fees and continuing education requirements? A. 180 B. 90 C. 60 D. 30

d

An individual licensed as an Insurance Service Representative may be employed by which of the following? A. A variable contract agent B. All lines adjuster C. A bank selling annuities D. A property and casualty agent

b

An insurer must acknowledge receipt of a Notice of Claim within how many days? A. 5 B. 15 C. 20 D. 30

a

Any inducement offered to the insured in the sale of an insurance policy that is not specified in the policy is an unlawful practice known as A. Rebating. B. Twisting. C. False advertising. D. Coercion.

a

For which of the following actions can an agent's license be suspended or revoked? A. Rebates of premiums B. Misdemeanors C. Unintentional violations of state laws D. Misstatements on the application

b

If an agent has completed 35 hours of continuing education in one renewal period, how many CE hours will the agent have to complete in the next renewal period? A. 11 B. 24 C. 35 D. 0

c

It would be considered unfair discrimination to ask an insurance applicant about which of the following and then use that information as a rating factor to determine insurability? A. Gender B. Address C. Sexual orientation D. Age

b

On its advertisement, a company claims that it has funds in its possession that are, in fact, not available for the payment of losses or claims. The company is guilty of A. Rebating. B. Misrepresentation. C. Concealment. D. Unfair claim practice.

d

Which of the following terms describes making false statements about the financial condition of any insurer that are intended to injure any person engaged in the business of insurance? A. Undercutting B. Twisting C. Slandering D. Defamation

a

What is surplus lines insurance? A. Insurance placed with an unauthorized insurer B. Additional insurance placed on itemized risks C. Any insurance on items worth more than $25,000 D. Insurance in excess of a standard policy's coverage

a

Which of the following will NOT be considered unfair discrimination by insurers? A. Discriminating in benefits and coverages based on the insured's habits and lifestyle B. Charging applicants with similar health histories different premiums based on their ethnicity C. Cancelling individual coverage based on the insured's marital status D. Assigning different risk classifications to applicants based on gender identity

c

Who is considered a nonresident agent? A. An agent whose license has been revoked. B. An agent who does not earn commission in Texas. C. An agent who resides in another state, but is licensed to write insurance in Texas. D. An agent who is not a U.S. citizen.

a

In insurance transactions, fiduciary responsibility means A. Handling insurer funds in a trust capacity. B. Maintaining a good credit record. C. Being liable with respect to payment of claims. D. Commingling premiums with agent's personal funds.

c

Which of the following is NOT true regarding a Certificate of Authority? A. It is equivalent to an insurance license. B. It is issued by the state department of insurance. C. It is issued to group insurance participants. D. It may be necessary for transacting business in a specific state.

b

An individual licensed as an agent must notify the Texas Department of Insurance, on a monthly basis, of all of the following EXCEPT A. Any administrative action taken against the license holder by an insurance regulator of Texas, any other state, or the federal government. B. Any change in business name. C. Any change of the mailing address. D. Any felony conviction.

d

Which of the following is an example of a producer's fiduciary duty? A. An obligation to state every known fact about the policy the producer is selling. B. A duty to base all transactions upon the principle of Utmost Good Faith. C. The obligation to tell the truth to the best of one's knowledge D. The trust that a client places in the producer in regard to handling premiums.

c

Which of the following occupations would NOT directly help to qualify someone for the office of Commissioner of Insurance? A. Executive in business administration B. Practicing attorney C. Insurance agent D. Certified public account

a

Which of the following persons is required to hold a producer license? A. A person who negotiates insurance contracts B. A person who takes messages related to claims C. A person who creates insurance advertisements D. A person who administers employee benefits

a

All of the following are true regarding rebates EXCEPT A. Rebates are allowed if it's in the best interest of the client. B. Rebates are only allowed if specifically stated in the policy. C. Rebating can be anything of economic value, given as an inducement to buy. D. Dividends are not considered to be rebates.

d

An insurance company is domiciled in Montana and transacts insurance in Wyoming. Which term best describes the insurer's classification in Wyoming? A. Alien B. Domestic C. Unauthorized D. Foreign

d

On a participating insurance policy issued by a mutual insurance company, dividends paid to policyholders are A. Paid at a fixed rate every year. B. Taxable as ordinary income. C. Guaranteed. D. Not taxable since the IRS treats them as a return of a portion of the premium paid.

d

Which of the following is NOT a possible penalty for a violation of the Insurance Code? A. An administrative penalty B. Payment of restitution C. A cease and desist order D. A fine up to $100,000

d

A banker is ready to close on a customer's loan. The bank is prepared to offer the loan but only if the customer purchases a life insurance policy from the bank in the amount of the loan. This is an example of A. Loading. B. Defamation. C. Twisting. D. Coercion.

c

A license may NOT be denied, suspended, or revoked if the licensee A. Deals with insurance outside the scope of the license. B. Materially misrepresents an insurance policy. C. Submits an unsigned insurance policy application. D. Engages in fraud.

b

A participating insurance policy may do which of the following? A. Require 80% participation B. Pay dividends to the policyowner C. Provide group coverage D. Pay dividends to the stockholder

a

After filing a claim, an insured tells the insurer that there is more than one insurance policy in force. That insurer sets aside the claim until it hears what the other company will pay. The insurer's action will be classified as A. Unfair. B. Prudent. C. Coordinated. D. Proactive.

a

All of the following are considered unfair or deceptive acts in connection with the sale of insurance EXCEPT A. Attempting to settle a claim in which liability is clear. B. Stating facts or provisions in a way that misrepresents the true nature of the policy. C. Delaying a settlement because there is other insurance that will satisfy any portion of the loss. D. Lacking standards for the investigation of an insured's claims.

a

All of the following are requirements for an individual to be licensed EXCEPT A. Provide a financial statement. B. Be at least 18 years of age. C. Pass the licensing examination. D. Pay the appropriate fees.

c

All of the following are unfair claims settlement practices EXCEPT A. Failing to adopt and implement reasonable standards for settling claims. B. Failing to acknowledge pertinent communication pertaining to a claim. C. Suggesting negotiations in settling the claim. D. Refusing to pay claims without conducting a reasonable investigation.

c

All of the following could be considered rebates if offered to an insured in the sale of insurance EXCEPT A. Stocks, securities, or bonds. B. An offer to share in commissions generated by the sale. C. Dividends from a mutual insurer. D. An offer of employment.

b

All of the following must be true of an individual before a license can be issued EXCEPT that the A. Candidate has paid the required fees to the department. B. Applicant submitted his or her most recent tax return to the department. C. Individual is at least 18 years old. D. Applicant passed the required licensing examination in the last 12 months.

b

All of the following statements about the continuing education requirement in this state are true EXCEPT A. It requires satisfactory completion of 24 hours of approved training every 2 years. B. All licensed agents must comply by January 1 of even-numbered years. C. It does not allow excess credit hours to be carried forward to the next reporting period. D. Hours may be completed using independent self-study courses or classroom study.

c

All of the following would be considered an insurance transaction EXCEPT A. Advising a policyholder regarding a claim. B. Negotiating coverage. C. Obtaining an insurance license. D. Soliciting a policy.

b

All of the following would be considered rebating EXCEPT A. An agent offers tickets to a baseball game as an inducement to buy insurance. B. An agent misrepresents policy benefits to convince a policyowner to replace policies. C. An agent offers the use of his lake house to a client as an inducement to buy an insurance policy from him. D. An agent offers to share his commission with a policyholder.

d

An agent discovers his newest client was the result of a referral. To show his thanks to the referring customer, the agent could A. Return the customer's first premium of a new policy. B. Send the customer a gift as a token of appreciation. C. Offer the customer money for every referral she brings in. D. Thank the customer.

a

An agent explains the details of a life insurance policy to a client. The agent does not realize, however, that the state has recently rewritten two of the provisions. As a result, the agent inadvertently misrepresents the policy, making it more attractive than it really is. What best describes this situation? A. There is no misconduct B. Fraud C. Misrepresentation D. Deceptive claim settlement practice

d

An insurance company has published a brochure that inaccurately portrays the advantages of a particular insurance policy. What is this an example of? A. Unfair claims B. Twisting C. Defamation D. False advertising

c

An insurer publishes intimidating brochures that portray the insurer's competition as financially and professionally unstable. Which of the following best describes this act? A. Illegal until endorsed by the Guaranty Association B. Legal, provided that the other insurers are paid royalties for the usage of their names C. Illegal under any circumstances D. Legal, provided that the information can be verified

d

Forcing a client to buy insurance from a particular lender as a condition of granting a loan is defined as A. Rebating. B. Misleading advertising. C. Defamation. D. Coercion.

b

How many hours of continuing education can be carried over from one licensing period to the next? A. Any excess hours B. 0 C. 2 D. 5

d

If a licensed agent in Texas receives a criminal conviction, that information must be reported to A. Insurance Fraud Division. B. NAIC. C. Agent's clients. D. Department of Insurance.

c

If an agent suspects that insurance fraud is being committed, within how many days must the agent notify the Insurance Fraud Unit of the Department of Insurance? A. 10 days B. 15 days C. 30 days D. 90 days

c

If an insurer meets the state's financial requirements and is approved to transact business in the state, it is considered to be A. Qualified. B. Approved. C. Authorized. D. Certified.

d

In Texas, how is the Commissioner of Insurance placed in office? A. Appointed by the Governor for a term of 4 years B. Appointed by the Senate for a term of 2 years C. By election, at the same election when other state officials are chosen. D. Appointed by the Governor for a term of 2 years

a

In Texas, the Commissioner of Insurance is A. Appointed by the Governor. B. Appointed by the Insurance and Industry Committee of the state legislature. C. Elected by the state legislature's Banking and Insurance Committee. D. Elected by Texas voters.

a

In Texas, the state's continuing education requirement A. Consists of completing 24 hours of CE each biennium. B. Must be completed by all licensed resident and nonresident agents. C. Cannot be extended or waived under any circumstances. D. Applies to life, annuity, and accident and health licensees only.

a

Temporary licenses issued in Texas A. Expire in 90 days. B. Expire in 1 year. C. Are renewable for a like period. D. Are issued to licensees for the sale of replacement policies.

a

The Commissioner of Insurance issues a Cease and Desist Order and immediately receives a request for the charges to be reviewed in a hearing. Within what number of days must the hearing be held? A. 10 B. 14 C. 30 D. 60

d

The Insurance Commissioner may examine the affairs of any insurer as often as necessary, but not less frequently than once every A. Year. B. 2 years. C. 3 years. D. 5 years.

b

The owner of a small restaurant submits a claim to his insurer after a loss due to fire. The insurer's investigation finds a police report that shows that a fire may have been of suspicious origin. The insurer can do which of the following? A. Deny the claim immediately B. Delay an acceptance or rejection decision C. Reduce the claim amount D. Disregard the claim

b

To legally transact insurance in this state, an insurer must obtain which of the following? A. Certificate of Insurance B. Certificate of Authority C. Power of Attorney D. Business entity license

c

Two individuals are in the same risk and age class; yet, they are charged different rates for their insurance policies due to an insignificant factor. What is this called? A.Misrepresentation B. Adverse selection C. Discrimination D. Law of large numbers

b

What is a foreign insurer? A. An insurer with licensed agents who are citizens in more than one country B. An insurer with a home office in another state C. An insurer with a home office in another country D. An insurer with licensed agents doing business in other countries

a

What is the major difference between a stock company and a mutual company? A. Ownership B. Amount of death benefit C. Number of producers D. Types of whole life policies

c

When doing business in this state, an insurance company that is formed under the laws of another state is known as which type of insurer? A. Alien B. Nonadmitted C. Foreign D. Domestic

c

Which of the following individuals could legally receive commissions from the sale of a life insurance policy? A. An employee for a life insurance company who is not licensed B. A life and health insurance counselor C. A licensed life insurance agent D. A licensed insurance consultant

d

An agent offers his client free tickets to a sporting event in exchange for the purchase of an insurance policy. The agent is guilty of A. Coercion. B. Twisting. C. Controlled business. D. Rebating.

b

An insurance professional advises a client regarding the benefits of her life insurance policy, in exchange for a fee. Which of the following terms best describes this type of insurance professional? A. Advisor B. Counselor C. Agent D. Producer

a

An insured purchased an insurance policy 5 years ago. Last year, she received a dividend check from the insurance company that was not taxable. This year, she did not receive a check from the insurer. From what type of insurer did the insured purchase the policy? A. Mutual B. Reciprocal C. Nonprofit service organization D. Stock

d

An insurer that holds a Certificate of Authority in the state in which it transacts business is considered a/an A. Local insurer. B. Certified insurer. C. Self-insurer. D. Authorized insurer.

d

When transacting business in this state an insurer formed under the laws of another country is known as a/an A. Domestic insurer. B. Foreign insurer. C. Admitted insurer. D. Alien insurer.

d

When twin brothers applied for life insurance from Company A, the company found that while neither of them smoked and both had a very similar lifestyle, one of the twins was in a much stronger financial position than the other. Because of this, the company charged him a higher rate for his insurance. This practice is considered A. Twisting. B. Controlled business. C. Adverse selection. D. Discrimination.

b

Which members of a corporation or partnership are required to obtain an individual insurance agent's license in order for the association to be licensed? A. None of the partners are required to have a license if the partnership is associated with a licensed insurance agent. B. At least one officer or partner and any other person acting as an agent C. Only members who plan on transacting insurance D. Officers or partners only

a

Which of the following must an insurer obtain in order to transact insurance within a given state? A. Certificate of authority B. Producer's certificate C. Business entity license D. Insurer's license

a

An applicant properly notifies her insurer of a straightforward claim, but the insurer waits an exceedingly long time to process it. Which of the below terms best describes the behavior of the insurer? A. Unfair claims settlement practice B. There is nothing wrong with this incident; there is not a specified deadline for insurers to process a claim. C. Misrepresentation D. Fraud

a

An agent receives an Emergency Cease and Desist Order for chronically misrepresenting his insurance policies. The agent knows that he did not commit the violations stated in the Emergency Cease and Desist Order. He wants to contest the charges in a court hearing. Which of the following is true? A. The hearing must be held within 10 days of receiving a request, unless both parties agree to a later date. B. The judge will determine when the hearing will be held. C. The hearing date can be set for any time within the next year, unless both parties agree to a later date. D. The hearing must be set for exactly 10 days after the request is made.

c

An individual applies for a life policy. Two years ago he suffered a head injury from an accident, so he cannot remember parts of his past, but is otherwise competent. He has also been hospitalized for drug abuse, but does not remember this when applying for insurance. The insurer issues the policy and learns of his history one year later. What will probably happen? A. The insurer will sue the insured for committing fraud. B. Because the insured is currently not a drug user, his policy will not be affected. C. The policy will not be affected. D. The policy will be voided.

d

An insurance agent wants for a client to replace her current annuities plan with another one. He presents the new one in an incomplete and dishonest way, which makes the new contract seem far more appealing than the original one. The policyowner ends up surrendering her original contract and replacing it with the new one. Which term best describes what the agent did? A. False advertising B. Fraud C. Rebating D. Twisting

d

An insurer devises an intimidation strategy in order to corner a large portion of the insurance market. Which of the following best describes this practice? A. A legal advertising strategy B. Unfair Discrimination C. Defamation D. Illegal

c

What is the maximum allowed value of a gift that an agent can give to an insured without violating the regulation on rebating? A. $10 B. $15 C. $25 D. $100

a

What is the minimum percentage of a licensee's total volume of premiums in a calendar year that must come from business other than controlled business? A. 25% B. 80% C. 50% D. 60%

b

Which of the following actions is NOT in violation of the Unfair Claims Settlement Practices Act? A. Delaying a settlement because there is an additional insurance policy on a loss B. Denying an unsubstantiated claim C. Refusing to pay claims without conducting a reasonable investigation D. Failure to respond promptly on claims communications

d

Which of the following applicants will be able to obtain an adjuster's license without taking the state examination? A. An applicant who has been engaged in the adjustment of losses in the past 5 years B. It is not possible; all licensees must pass the examination. C. An applicant who holds a CLU designation D. An applicant who is renewing a license

c

An applicant for a license in Texas must include a statement with his application that provides information about all the following EXCEPT A. Having held a license before. B. Having had a license revoked. C. Intending to apply for another license. D. Being refused a license.

a

In which of the following situations is it legal to limit coverage based on marital status? A. It is never legal to limit coverage based on marital status. B. Excessive number of divorces, as defined by the Insurance Code C. Legal separation during the application process D. Divorce within the last six months of applying for insurance

d

Pertaining to insurance, what is the definition of a fiduciary responsibility? A. Helping insureds to file claims B. Performing reviews of insured's coverage C. Offering additional coverage to clients D. Promptly forwarding premiums to the insurance company

b

The Commissioner has full power and authority to do all of the following EXCEPT A. Issue cease and desist orders. B. Draft insurance laws. C. Issue Certificates of Authority. D. Enforce the Insurance Code.

d

The following are all causes for the Insurance Commissioner to suspend or impose conditions upon the continuance of an agent's license EXCEPT A. Misappropriation or illegal withholding of the policyholder's money. B. Obtaining a license through fraud. C. Conviction of a felony involving moral turpitude. D. The applicant has been shown to be a poor personal credit risk.

d

The requirement that agents not commingle insurance monies with their own funds is known as A. Premium accountability. B. Express authority. C. Accepted accounting principal. D. Fiduciary responsibility.

c

To become a Texas insurance agent, an individual must A. Have resided in Texas for at least 1 year. B. Post a $25,000 bond. C. Have passed a licensing exam within the 12 months before applying. D. File a personal financial statement with the Commissioner for the previous 3 years.

d

When a producer was reviewing a potential customer's coverage written by another company, the producer made several remarks that were maliciously critical of that other insurer. The producer could be found guilty of A. Misrepresentation. B. Discrimination. C. Nothing, unless the remarks were in writing D. Defamation.

c

When an individual obtains an insurance license for the primary purpose of writing insurance on him- or herself, or for members of his or her immediate family, or business, this is called A. Rebating. B. Self-insurance. C. Controlled business. D. Personal insurance.

b

Which of the following best describes a misrepresentation? A. Discriminating among individuals of the same insuring class B. Issuing sales material with exaggerated statements about policy benefits C. Making a deceptive or untrue statement about a person engaged in the insurance business D. Making a maliciously critical statement that is intended to injure another person

d

Which of the following is NOT a licensing requirement for a corporation in the state of Texas? A. The business must demonstrate financial responsibility to provide coverage for an error or omission. B. The business must be a Texas corporation, with its principal place of business in Texas. C. At least one officer of the corporation must be individually licensed as an agent. D. The business must be able to pay up to $50,000 in the event that it is proven to be negligent.

d

Which of the following is NOT considered a misrepresentation as it pertains to unfair trade practices? A. Stating that the insurance policy is a share of stock B. Exaggerating the benefits provided in the policy C. Stating that the competitors will arbitrarily increase their premiums each year D. Making comparisons between different policies

c

Which of the following is a TRUE statement about a temporary license issued in this state? A. It requires a written examination. B. It can be renewed after the first term. C. It can only be issued once in any 6-month period. D. It allows the producer to sell replacement policies.

d

Which of the following is an example of a producer being involved in an unfair trade practice of rebating? A. Inducing the insured to drop a policy in favor of another one when it is not in the insured's best interest B. Charging a client a higher premium for the same policy as another client in the same insuring class C. Making deceptive statements about a competitor D. Telling a client that his first premium will be waived if he purchases the insurance policy today

d

Which of the following would NOT be considered rebating? A. Sending a $50 gift certificate to the insured's employee after the insurance has been effected as a thank you for the referral B. Sharing commission with the insured C. Collecting a lower premium than what's specified in a policy as a token of client appreciation D. Giving a client a $25 pen with the insurer's logo during the insurance application process

c

Which of the following would be required to be licensed as an insurance producer? A. A salaried full-time employee who furnishes information for group insurance B. An insurance company director who performs executive, administrative and managerial duties C. A salaried employee who advertises and solicits insurance D. A person whose activities are limited to producing insurance advertisements