What is the role of the commissioner in regards to agent licensing?

The commissioner plays a crucial role in the licensing process for insurance agents, which includes issuing licenses following the successful completion of an examination. This ensures that agents possess the necessary knowledge about insurance products, relevant laws, and practices. By requiring an examination and then issuing licenses based on that criterion, the commissioner helps maintain a standard of professionalism and competency within the industry. This process is essential for protecting consumers and ensuring that agents can provide accurate and trustworthy advice.

Other roles associated with the commissioner, such as overseeing the financial health of agents or requiring business plans, are important but not directly related to the licensing process itself. Rejecting all applications does not align with the purpose of the role, which is to ensure qualified candidates are licensed to operate in the insurance market.