State RegulationsGA specificDifficulty 2/5
A Georgia consultant charges clients a fee for analyzing their life and health coverage and recommending changes. Under Georgia's licensing requirements, what does this consultant need?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Georgia law, the Insurance Commissioner separately licenses insurance counselors — persons who, for a fee, give insurance advice — and fee-based advising is not automatically covered by a producer license. Charging for analysis and recommendations without the counselor license exposes the consultant to sanctions for unlicensed activity in Georgia.
Why the other options are wrong
- B) A producer license authorizes selling; it does not by itself authorize selling advice for a fee.
- C) Advice for a fee is a regulated activity in Georgia that requires the counselor license.
- D) Insurance counseling is regulated by the state Commissioner, not by any federal registration.
Memory hook
Fee for advice in Georgia? Add a counselor license.