State RegulationsTN specificDifficulty 2/5
Which of the following fits Tennessee's limited lines producer category, for which a written examination is not required?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Tennessee's limited lines category under T.C.A. § 56-6-102 and T.C.A. § 56-6-110 covers narrow, transaction-specific lines — including credit insurance, baggage and travel, crop hail, legal insurance, and bail bonds. Credit insurance attached to a loan is a classic limited line, licensed without a written examination through the Tennessee Department of Commerce & Insurance. The full lines named in the other choices require complete producer licensing with the standard examination.
Why the other options are wrong
- A) Individual life insurance is a full line requiring a life producer license and the standard examination, not a limited line.
- C) Group accident and health coverage is a full line; it falls outside the limited lines catalogue.
- D) Homeowners coverage is core personal lines property business, requiring full producer licensing.
Memory hook
Tiny and transaction-tied = limited (credit, travel, crop hail, bail); full lines need the full test.