Who is required to be licensed as an insurance producer?

A licensed insurance producer is someone who is actively involved in the selling or soliciting of insurance products on behalf of a company, which makes option B, the salaried employee who advertises and solicits insurance, the correct choice. This role typically entails engaging directly with clients, promoting insurance products, and facilitating transactions—all of which require a license to ensure compliance with regulatory standards and consumer protection laws.

In contrast, a freelance insurance consultant does not necessarily engage in the selling of insurance but rather provides advice; thus, they may not be required to hold a producer license. An insurance educator typically focuses on teaching about insurance products and principles rather than selling them, and therefore does not need a producer license. Lastly, a customer service representative may assist with client inquiries and support but usually does not engage in the solicitation or sale of insurance products, which keeps them outside the licensing requirement as well.