PLIllinoismedium
An Illinois insurer markets personal auto policies directly to consumers by mail and call center. Which licensing rule applies to the in-state representatives who quote and bind these policies?
ANo licensing applies because the sale is direct from the insurer
BOnly the call center manager must be licensed
Each representative who solicits, negotiates, or sells must hold an IL P&C producer license
DA single corporate license covers all representatives without individual licensing
Why this is the answer
215 ILCS 5/500-15 requires individual licensure for anyone who sells, solicits, or negotiates insurance in Illinois — including direct-response and call-center staff. The insurer may also hold a corporate producer license under 500-30, but that does not exempt the individual representatives. Unlicensed solicitation by the insurer's representatives is a violation by both the individual and the insurer.
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