A person must be licensed to do all of the following except?

A person must be licensed to do all of the following except?

• A. Sell insurance policies
• B. Advertise without the intent to solicit on behalf of insurer
• C. Consult with clients about their insurance needs
• D. Negotiate insurance contracts

Answer: (B)

A person must be licensed to sell insurance policies, consult with clients about their insurance needs, and negotiate insurance contracts because these activities involve representing an insurance provider or providing professional advice related to insurance products. Licensing ensures that individuals have the appropriate knowledge and adhere to regulations designed to protect consumers and maintain the integrity of the insurance market. However, advertising without the intent to solicit on behalf of an insurer does not require a license. This action is typically viewed as promoting awareness or information dissemination about insurance products rather than engaging in the regulated activities of selling or negotiating contracts. As long as the advertising does not encourage people to purchase or inquire specifically about insurance products, it falls outside the scope of licensed activities.

A person must be licensed to sell insurance policies, consult with clients about their insurance needs, and negotiate insurance contracts because these activities involve representing an insurance provider or providing professional advice related to insurance products. Licensing ensures that individuals have the appropriate knowledge and adhere to regulations designed to protect consumers and maintain the integrity of the insurance market.

However, advertising without the intent to solicit on behalf of an insurer does not require a license. This action is typically viewed as promoting awareness or information dissemination about insurance products rather than engaging in the regulated activities of selling or negotiating contracts. As long as the advertising does not encourage people to purchase or inquire specifically about insurance products, it falls outside the scope of licensed activities.