Who is exempt from requiring a license when transacting insurance?

Individuals who work as home office employees are exempt from needing a license to transact insurance because they typically perform administrative or support functions rather than engaging directly in the sale or solicitation of insurance products. This exemption acknowledges that their role primarily supports the licensed agents and does not include activities that require specific insurance knowledge or regulatory compliance associated with direct transactions.

The other options involve roles that typically require a license to ensure compliance with state regulations and to protect consumers. Independent agents and part-time agents are directly involved in the sale of insurance and must adhere to the licensing requirements to operate legally. Similarly, insurance consultants, who provide advice or recommendations related to insurance coverage, also need to be licensed to ensure they are qualified and that they adhere to industry standards and regulations in their consultations.