What is assumed when a person uses the title "insurance counselor"?

Using the title "insurance counselor" implies that the individual has a level of expertise and a role that typically requires licensure. In many states, including Georgia, those who advise clients on insurance matters, particularly when it involves selling or recommending insurance policies, must hold a valid insurance license. This requirement helps ensure that the advisor meets certain educational and professional standards designed to protect consumers.

Holding a license is critical because it not only validates the individual's knowledge of various insurance products but also confirms they have passed examinations proving their understanding of the insurance laws and regulations that govern the industry. This regulation helps maintain a standard of professionalism and accountability in the field, creating a safeguard for clients seeking knowledgeable advice.

In contrast, the other options do not align with the implications of holding the title of "insurance counselor." The title does not necessarily indicate that the individual works for the government, specializes specifically in Medicare, or is solely focused on providing financial advice outside of insurance matters. Therefore, the necessity for licensure is the most pertinent aspect associated with this title.