Hawaii Insurance License Practice Exam

Who is not required to have an insurance license?

1. Independent agents

2. Clerks working for producers without commission

3. Public adjusters

4. Insurance brokers

The correct answer is: Clerks working for producers without commission

Clerks working for producers without commission are not required to have an insurance license because their role does not involve selling or advising on insurance products. Their responsibilities typically include administrative tasks and support functions rather than engaging directly with clients or making decisions about insurance policies. This distinction is important, as the insurance industry requires specific training and licensing for individuals who are actively involved in selling, negotiating, or advising on insurance to ensure that they understand the laws, regulations, and products involved. In contrast, independent agents, public adjusters, and insurance brokers all engage in activities that require an insurance license, as they interact directly with consumers and facilitate the sale, adjustment, or brokerage of insurance coverage.