Who may transact solicitations for insurance in North Carolina?

In North Carolina, only licensed agents are authorized to conduct solicitations for insurance. This is due to regulatory requirements aimed at protecting consumers and ensuring that those selling insurance have the necessary knowledge and qualifications to provide accurate and compliant information regarding insurance products. Licensed agents undergo training, pass examinations, and adhere to state regulations, thereby ensuring that they can serve the best interests of clients.

Unlicensed agents and public relations firms lack the necessary credentials and authority to engage in insurance transactions, which could lead to misinformation and potentially harm consumers. Independent brokers, while also a legitimate part of the insurance market, fall under the category of licensed agents as they must hold appropriate licenses to operate. Therefore, recognizing licensed agents as the only valid participants in insurance solicitations maintains the integrity of the industry and protects consumers.