What must agents do to legally sell insurance in most states?

To legally sell insurance in most states, agents are required to obtain a license. This license serves as a formal acknowledgment that the agent has met specific state-regulated criteria, which often includes passing one or more examinations that cover relevant laws, regulations, and insurance products. The licensing process ensures that agents possess the necessary knowledge and understanding to effectively assist consumers and comply with industry standards.

While completing a training course may be beneficial and even a part of the preparation for taking the licensing exam, it is not a legal requirement for selling insurance. Similarly, having a college degree is not a mandated prerequisite for obtaining an insurance license; individuals can enter the field without formal higher education. Joining a professional organization, although it can enhance an agent's career through networking and continuing education opportunities, does not fulfill the legal requirement necessary to engage in the practice of selling insurance. Thus, obtaining a license is the fundamental step that agents must take to operate legally in the insurance industry.