Under Pennsylvania insurance law, a producer’s license is required tosell, solicit, or negotiateinsurance.Underwriting, however, does not require a producer license because it is an internal insurer function. Underwriters evaluate risk, review applications, and determine insurability based on established guidelines and actuarial standards.
Pennsylvania insurance study guides explain that underwriting decisions are made by insurance company employees or authorized personnel, not licensed producers acting in a sales capacity. Selling, negotiating, and soliciting insurance directly involve consumer interaction and require licensure to protect the public. Therefore, underwriting is the only activity listed that does not require an insurance producer’s license.
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