Life & Health · Chapter 20 · Definitions
Solicitation of Insurance
Definition
The attempt to persuade any person to purchase an insurance product by: describing benefits or terms (including premiums or rates of return), distributing invitations to contract, making general or specific product recommendations, completing orders or applications, comparing products / advising on insurance matters / interpreting policies, or offering to negotiate a viatical settlement contract for another. Solicitation requires a license as an insurance agent, service representative, customer representative, or limited customer representative — and a licensee may solicit only the kinds of insurance their license covers.
In plain English
If the activity nudges someone toward buying, it's solicitation — and solicitation is licensed territory.
Exam tip
A property & casualty-only agent soliciting life insurance is acting outside their license — line of authority matters, not just having "a license."
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms