Under marketing and compliance rules, what is required if an agent markets plan information to beneficiaries in multiple states?

• A. The agent must be licensed in the state where the agency is headquartered
• B. The agent only needs a federal license
• C. The agent can market online without state licensing
• D. The agent must be licensed and appointed in every state where the beneficiaries are located

Answer: (D)

When marketing plan information to beneficiaries in more than one state, the agent must hold licenses in each state where those beneficiaries reside and must be appointed by the insurer in those states. Licensing verifies the agent meets each state's qualifications and regulatory requirements, while appointment gives the insurer authority to have that agent represent and sell its plans in that state. There is no federal insurance producer license, and online marketing does not substitute for state licensing or appointments. So the required rule is that the agent must be licensed and appointed in every state where the beneficiaries are located.