Question 1 of 16
A customer asks an unlicensed clerical employee to compare two specific policies and recommend which one to buy. Explain where clerical assistance ends and licensed producer activity begins in Pennsylvania.
Strong Interview Answer
A clerical employee can perform genuinely administrative tasks, but recommending a specific insurance product crosses into selling, soliciting, or negotiating insurance. That activity requires the appropriate producer license, so the employee should stop short of a recommendation and refer the customer to a licensed producer.
What to Listen For
- selling/soliciting/negotiating requires licensure
- clerical vs producer activity
- refer to licensed producer
- consumer protection
Caution
A strong answer should identify the regulated activity, not merely say that 'insurance employees need licenses.'