What must happen for a license to be issued to an applicant?

For a license to be issued to an applicant, it is essential that they complete the application process and pass the required examinations. This ensures that the applicant has the necessary knowledge and understanding of the insurance industry and regulations governing independent adjusters. The examination is a critical component that tests the candidate's competency in relevant insurance concepts, laws, and practices, demonstrating their readiness to operate effectively in the field.

While paying a fee is typically part of the licensing process, it alone does not guarantee that an applicant possesses the knowledge and skills necessary to perform their duties as an independent adjuster. Previous experience in insurance, while beneficial, is not always a prerequisite for licensure; many states allow new entrants into the field as long as they meet educational and examination requirements. Similarly, a background check may be standard practice for many licensing authorities, but it is generally part of ensuring the overall integrity and trustworthiness of the applicant, not a standalone criterion for getting a license. Thus, the combined requirement of completing the application and passing the examinations is the correct pathway for licensure.