State RegulationsOH specificDifficulty 1/5
Under Ohio insurance law, which of the following activities is 'selling, soliciting, or negotiating' insurance that requires a producer license?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3905.01 and ORC 3905.02 define the insurance transactions that constitute selling, soliciting, or negotiating insurance. A person who, for compensation, discusses benefits with a consumer to persuade a purchase is engaged in these activities and must hold an Ohio producer license before performing them. The practical consequence is serious: conducting any of these activities without a license exposes the person to discipline and criminal penalties under Ohio law.
Why the other options are wrong
- A) Purely clerical invoice mailing for an insurer is not selling, soliciting, or negotiating insurance with a consumer, so it is not the licensed activity described.
- C) A referral made for a fixed dollar amount that does not depend on whether a sale occurs is not the act of negotiating a sale and does not trigger the licensing requirement tested here.
- D) Serving as a salaried receptionist answering an insurer's phone is clerical support, not the transaction of insurance as selling, soliciting, or negotiating.
Memory hook
Persuade for pay = licensed play: selling, soliciting, or negotiating all need a license.