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Division of Insurance - Producer Information

Definition of Terms - Sell, Solicit, Negotiate

The terms sell, solicit and negotiate are used throughout the licensing laws information on this website and are used to determine when a license is required. The terms are defined as follows:

Sell

To exchange a contract of insurance by any means, for money or its equivalent, on behalf of an insurance company.

Solicit

Attempting to sell insurance or asking or urging a person to apply for a particular kind of insurance from a particular company.

Negotiate

The act of conferring directly with or offering advice directly to a purchaser or prospective purchaser of a particular contract of insurance concerning any of the substantive benefits, terms or conditions of the contract if the person engaged in that act either sells insurance or obtains insurance from insurers for purchasers.

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