Texas Statutes and Rules Common to Life and Health Insurance

Why does Texas exempt certain salaried employees of an insurer from the agent licensing requirement?

Answer and explanation
Answer: A. The licensing requirement targets the point of sale, where consumers rely on the producer's competence. Employees who neither sell nor earn sales-based pay are not at that point.Source: Texas Insurance Code — Tex. Ins. Code ch. 4001, scope of the licensing requirement

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