State RegulationsGA specificDifficulty 2/5
In Columbus, Georgia, an unlicensed individual meets with residents, describes an insurance product, quotes its price, and encourages them to complete applications. Under Georgia law, this activity is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under O.C.G.A. § 33-1-2, describing a product, quoting its price, and encouraging applications are solicitation and negotiation — core components of transacting insurance. Anyone performing those activities must hold the appropriate license, regardless of whether a policy is ultimately issued or delivered.
Why the other options are wrong
- A) The conduct falls squarely within the statutory definition, so it is not unregulated research.
- B) It is not advice exempt from licensing — it is sales activity aimed at effecting coverage.
- D) Regulation attaches at solicitation and negotiation, not at policy delivery.
Memory hook
Quoting and pushing applications is selling — and selling needs a license.