State RegulationsGA specificDifficulty 2/5
A producer licensed in another state applies for a Georgia nonresident license, but the producer's home state does not license the particular insurance activity the producer wants to conduct in Georgia. What does the producer need to do?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under O.C.G.A. § 33-23-16, Georgia grants nonresident licenses on the basis of home-state reciprocity, verified through the NAIC Producer Database or a home-state certification letter dated within ninety days; however, where the home state does not license the activity, the reciprocity shortcut disappears and the applicant must take the Georgia examination. Home-state standards normally govern, but Georgia fills the gap itself when there is no home-state standard.
Why the other options are wrong
- A) The producer is not permanently barred; Georgia simply requires its own examination when the home state does not license the activity. O.C.G.A. § 33-23-16.
- B) Performing a licensed activity in Georgia still requires Georgia licensure; the absence of a home-state license triggers the examination requirement instead. O.C.G.A. § 33-23-16.
- C) No apprenticeship is required; the statutory response is to sit for the Georgia examination. O.C.G.A. § 33-23-16.
Memory hook
No home-state license for the activity? Then Georgia gives you its exam.