What must a licensee do if their license has been expired for more than ninety days but less than one year?

The correct approach for a licensee whose license has been expired for more than ninety days but less than one year is to complete all requirements for licensure including retesting. This requirement is in place to ensure that the licensee has current knowledge and skills in the field, which is crucial for maintaining standards in the insurance industry.

In situations where the license has been expired for an extended period, there is a concern that the individual may not be up-to-date on the latest regulations, practices, and industry standards. As a result, requiring retesting acts as a safeguard not only for the licensee's professional acumen but also protects consumers by ensuring that licensed professionals are competent and informed.

The other options do not adequately meet the regulatory requirements stipulated in Idaho for license reactivation after such a lengthy expiration. For instance, providing proof of no claims or simply submitting a renewal application may not prove sufficient, as they do not address the necessity for proven competency through testing and re-education. Additionally, reduced licensing fees are not a factor in reinstatement; rather, the primary focus is on ensuring the individual meets all the necessary qualifications to operate effectively and safely within the industry again.