An insurer's salaried employee distributes enrollment materials and helps employees complete enrollment forms for a group insurance plan, receiving no commission on any enrollment. Does Tennessee law require this person to hold a producer license?

Why D is correct

T.C.A. § 56-6-104 excepts persons who provide group-enrollment information and related services without receiving commissions from the producer licensing requirement. The Tennessee legislature treated this administrative, salaried support role as outside the business of insurance requiring a license, so the insurer's employee may assist with the group enrollment without being licensed.

Why the other options are wrong

• A) Direct interaction with applicants is not the test; the absence of commissions and the enrollment-support role bring the person within the T.C.A. § 56-6-104 exception.
• B) The exception turns on the uncompensated, administrative nature of the work, not on whether the desk is at a home office or a branch.
• C) Group insurance is not exempt from all licensing — producers who sell group coverage for commissions must be licensed; only the uncompensated enrollment-handling role is excepted.

Memory hook

Paper-pusher with no paycheck-per-policy: Tennessee excepts the group-enrollment helper.