State RegulationsIL specificDifficulty 2/5
A producer qualifies for and is issued an Illinois license covering the life line of authority and the accident and health line. What insurance business may she lawfully transact under that license?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
An Illinois producer license authorizes only the lines of authority for which the producer has qualified, as enumerated in 215 ILCS 5/500-35(a). Transacting insurance outside the licensed lines exceeds the license's lawful scope, so a life and health producer cannot place property coverage without qualifying for that line under the Illinois Insurance Code.
Why the other options are wrong
- A) The license is limited by line of authority; an unrestricted all-lines license is not what Illinois issues.
- C) The accident and health authority is already part of her license; no separate on-request license is needed.
- D) Insurer appointments control which carriers she represents, but the statutory scope of licensure is set by the lines of authority, not by private appointment terms.
Memory hook
Your license reaches only as far as your qualified lines.