Who must obtain a license issued by the insurance commissioner in Georgia?

In Georgia, anyone engaged in certain insurance-related activities must obtain a license issued by the insurance commissioner. This requirement applies specifically to insurance agents, insurance counselors, and insurance sub-agents. Each of these roles involves providing services related to the sale, advice, or management of insurance products, which necessitates adherence to state regulations and standards designed to protect consumers and ensure professional practices within the insurance industry.

Insurance agents are responsible for selling policies and may represent one or multiple insurance companies. Insurance counselors offer advice on insurance matters and can assist clients in making informed decisions on coverage options. Insurance sub-agents work under the supervision of licensed agents and assist in the sales process, contributing to clients' buying experiences.

The requirement for all three roles to be licensed underscores the importance of regulatory oversight in the insurance field, ensuring that individuals operating within these capacities have met the educational and ethical standards set forth by the state. This regulatory framework helps to build trust in the insurance market and provides safeguards for consumers seeking insurance products and services.