Who must hold a license for selling insurance in Kansas?

In Kansas, anyone who sells, solicits, or negotiates insurance must hold a valid insurance license. This requirement ensures that individuals engaged in these activities are knowledgeable about the products they offer and comply with state regulations. Licensing protects consumers by ensuring that agents have met certain educational and ethical standards, which is crucial for the trustworthiness and reliability of the insurance market.

Individuals who offer insurance without compensation or those who merely assist in managing a company do not engage directly in selling or soliciting insurance, so they do not require a license. Additionally, insurance adjusters operate under a different capacity, focusing on evaluating claims rather than selling insurance products, which is why they have separate licensing requirements. This distinction helps to maintain a professional standard within the industry and ensures that only trained individuals are responsible for creating insurance contracts and advising clients on their options.