Which circumstance would properly justify the issuance of a temporary license to an individual in Georgia?

Why D is correct

Under O.C.G.A. § 33-23-13, the Insurance Commissioner may issue a temporary license when the licensed agent dies, becomes disabled, or is terminated, or when the insurer requests one — situations where in-force business needs servicing through a transition. The temporary license is not a device for bypassing examination or continuing-education requirements.

Why the other options are wrong

• A) Avoiding examination fees is not a recognized ground for a temporary license.
• B) Licensing chiefly to write the licensee's own interests is the controlled-business abuse, not a basis for a temporary license.
• C) Failing continuing education does not justify a temporary license; it is a compliance problem addressed through the Commissioner's disciplinary processes.

Memory hook

Death, disability, departure — or the insurer asks.

Why B is correct

Under O.C.G.A. § 33-23-13, temporary licenses are issued only on limited grounds: the death, disability, or termination of the current agent, or a request from the insurer, so that the in-force business can be serviced while permanent arrangements are made. Voluntary retirement and appointment preferences are not statutory grounds, and a temporary license is never a substitute for prelicensing education.

Why the other options are wrong

• A) Voluntary retirement is not a statutory ground; temporary licenses respond to death, disability, or termination, or to an insurer's request.
• C) Wanting an additional insurer appointment is an ordinary licensing matter, not a ground for a temporary license.
• D) Prelicensing education is a prerequisite for regular licensure; a temporary license is never issued to work around it.

Memory hook

Death, disability, departure, or the company asks — those are the temporary triggers.