A Georgia producer sells policies and receives only the regular commissions paid on the insurance sold. Does the producer also need a counselor license?

Why A is correct

Under Georgia's counselor-licensing framework administered by the Insurance Commissioner, the counselor license is required for giving insurance advice for a fee. A producer whose compensation consists solely of the regular commissions paid on insurance sold is engaging in ordinary selling, which the producer license already authorizes, so no separate counselor license is needed.

Why the other options are wrong

• B) Requiring every producer to double-license contradicts the design of the Georgia counselor license, which targets fee-based advice rather than commission selling.
• C) Licensure tenure has nothing to do with counselor licensing; the dividing line is whether the person is paid a fee for advice, not years of experience.
• D) The rationale is wrong — counselor licensing is not limited to home-office staff, and its true scope is fee-for-advice work, which producer commissions do not involve.

Memory hook

Commissions make you a seller; fees for advice make you a counselor.