A Colorado life producer dies and the family wants the agency's business continued without interruption. Under C.R.S. § 10-2-410, for how long may the Commissioner issue a temporary license without an examination?

Why D is correct

C.R.S. § 10-2-410(1) allows the Commissioner of Insurance to issue a temporary license without an examination for up to 180 days, in situations including the death or disability of the producer, the producer's active military service, or the public interest. The temporary license bridges the gap so that an agency's Colorado book of business is not stranded while a permanent solution is arranged. Remember the full list of triggers as well as the length, because the exam often tests the situations in which the temporary license is available.

Why the other options are wrong

• A) 45 days is far shorter than the statutory maximum; the statute allows up to 180 days without an examination.
• B) 6 months is a common misstatement of the temporary-license term, which C.R.S. § 10-2-410 caps at 180 days.
• C) 90 days is the reciprocity window for nonresidents' prelicensing exemptions, not the temporary-license term.

Memory hook

Temporary means 180 days — about half a year, no exam needed.