An individual in Georgia regularly charges clients a fee for evaluating their insurance needs and recommending coverage, but does not sell policies. Under Georgia law, this individual generally must:

Why D is correct

Under the Georgia Insurance Code, a person who, for a fee, advises others on their insurance needs or recommends coverage is engaged in counselor activity and must hold the appropriate counselor authorization from the Insurance Commissioner; selling policies is a separate producer function. Giving insurance advice for compensation without the proper license exposes the individual to enforcement by the Office of Commissioner of Insurance and Safety Fire.

Why the other options are wrong

• A) The Georgia Insurance Department does not absorb private advisors as employees; the path to lawful advising is licensure.
• B) Fee-based insurance advice is a regulated activity in Georgia; no license means no lawful advising.
• C) A producer license covers selling insurance; advising clients for a fee is the counselor's regulated role.

Memory hook

Advice for pay needs the counselor's key.