State RegulationsGA specificDifficulty 1/5
Under Georgia's licensing structure, who must hold an insurance counselor license?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Georgia's counselor license, administered by the Office of Commissioner of Insurance and Safety Fire, exists for the business of giving insurance advice for compensation: a person who, for a fee, advises clients on their insurance needs or on coverages is acting as a counselor and must hold that license. Selling on commission and other ordinary insurer or producer functions are separate activities that the counselor license does not govern.
Why the other options are wrong
- A) Commission-based selling is producer activity, not counseling; the counselor license attaches to fee-based advice, not to selling.
- B) Claims processing is an insurer administrative function and triggers no counselor licensing requirement under Georgia law.
- D) Holding two lines of authority changes the scope of sale, not the activity of giving paid advice, so it creates no counselor-licensing obligation.
Memory hook
Counselors charge for counsel — fee-for-advice needs the license.