Washington State Insurance Practice Exam

Who does not need an insurance agent license in Washington State?

1. Any officer, director or employee of an insurer provided they are not directly or indirectly involved with the actual sale of an insurance contract and do not receive any commission

2. Temporary employees of an insurance company

3. Any employee who works primarily as a customer service representative

4. Agents working solely on commission

The correct answer is: Any officer, director or employee of an insurer provided they are not directly or indirectly involved with the actual sale of an insurance contract and do not receive any commission

In Washington State, any officer, director, or employee of an insurer does not need an insurance agent license if they are not directly or indirectly involved in the actual sale of an insurance contract and do not receive any commission. This exemption allows individuals in these positions to perform their duties within the company without having to obtain an insurance agent license. Option B, temporary employees of an insurance company, may need an insurance agent license depending on the nature of their job duties and involvement in insurance sales. Option C, any employee who works primarily as a customer service representative, may also need an insurance agent license if their role involves selling insurance policies or advising clients on insurance products. Option D, agents working solely on commission, would typically need an insurance agent license in Washington State to sell insurance and earn commissions from those sales.