Which of the following acts falls within the definition of 'selling' insurance under A.R.S. 20-281(14)?

Why D is correct

A.R.S. 20-281(14) defines selling as writing an insurance contract or procuring insurance for a person, and the sale includes delivering the policy and collecting the initial premium. Completing the transaction by handing over the policy and taking payment is squarely within the definition.

Why the other options are wrong

• A) General education about insurance history does not write or procure a contract.
• B) A vague suggestion to research insurance does not procure a contract; a direct urging to apply would be solicitation under A.R.S. 20-281(15).
• C) Post-sale billing questions are policyholder service, not the writing or procuring of a contract.

Memory hook

A sale is not done until the policy is delivered and the first premium is collected.

Why A is correct

A.R.S. 20-281(14) defines selling as writing, issuing, or delivering an insurance contract, and includes offering to perform those acts on behalf of an insurer. The offer matters: a person need not actually complete delivery to be selling, because proposing to put a contract in force for an insurer already falls within the definition.

Why the other options are wrong

• B) Wrong because discussing a policy's merits to influence the purchase is negotiating under A.R.S. 20-281(10), not selling under A.R.S. 20-281(14).
• C) Wrong because urging a prospect to apply is solicitation, a separate defined act from selling under A.R.S. 20-281.
• D) Wrong because claim filing is a claims-handling service, not the writing, issuing, or delivering of a contract that A.R.S. 20-281(14) defines as selling.

Memory hook

Sell = write, issue, deliver — or offer to. Paper in motion is selling.