A manufacturer employs a full-time, salaried benefits counselor who explains the company's own employee benefit program to employees and their dependents and receives no commission or per-enrollment compensation. Under Tennessee law, does this counselor need an insurance producer license?

Why D is correct

T.C.A. § 56-6-104 exempts a salaried, full-time employee who counsels or explains the employer's own employee benefit program, provided the employee receives no commission or similar transaction-based compensation. Because the counselor neither solicits for reward nor sells on an insurer's behalf, Tennessee does not treat the activity as transacting insurance requiring a producer license.

Why the other options are wrong

• A) Explaining an employer's own benefit program without transaction-based compensation is not solicitation, so no license is triggered.
• B) This is not a limited-lines situation; the activity falls outside the licensing requirement altogether under T.C.A. § 56-6-104.
• C) Tennessee does not require the employer to register the counseling program; the statutory exemption applies on its own terms.

Memory hook

Salaried, own employer's benefits, no commission — exempt without a license.