Under what conditions can a person who provides information for group insurance be exempt from needing a license?

A person providing information for group insurance can be exempt from needing a license if they do not receive a commission for securing and furnishing that information. This regulation is in place to distinguish between casual or informational roles and those that involve the actual solicitation of insurance products for which a commission is earned.

Essentially, when a person is acting purely in an informational capacity without financial compensation tied to their actions, they are not considered to be engaging in the business of insurance in a way that requires licensure. This exemption helps to facilitate transparency and reduce unnecessary regulatory burdens on individuals who are providing basic information rather than conducting activities that would necessitate oversight by regulatory authorities.

Other options, such as needing a specific certification or employment by a licensed insurance company, do not apply to this exemption because they establish criteria that would typically require licensing rather than providing conditions for exemption. Similarly, limiting the provision of information only to non-profit organizations does not align with the regulatory intent of focusing on compensation as the determining factor for requiring a license.