State RegulationsTN specificDifficulty 2/5
Which applicant for a Tennessee insurance license is NOT required to take a written examination?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
TDCI's licensing procedure exempts limited insurance producers from the written examination. Limited lines include baggage and travel, credit, crop hail, title written by attorneys, legal insurance, and bail bonds. Variable contract authority is likewise available without an examination through TDCI. By contrast, the major lines — life, accident and health, and title — require passing the state examination.
Why the other options are wrong
- B) Life is a major line of authority, and applicants must pass the state examination before licensure.
- C) Accident and health applicants must pass the state examination; no limited-lines waiver applies to this full line of authority.
- D) Non-attorney title producers are a recognized line of authority that requires the examination; only attorney-mediated title work sits outside the exam requirement.
Memory hook
Limited lines, limited hurdles: baggage, credit, and friends skip the written exam.