A person who acts as a subagent for a licensed property and casualty agent must be licensed if they solicit and bind insurance risks for that agent.

• A. True
• B. False
• C. Only for life insurance
• D. Only if the agent is an MGA

Answer: (A)

Soliciting and binding insurance on behalf of a licensed property and casualty agent requires a license. In Texas, anyone who solicits, negotiates, or binds insurance must hold a producer’s license in the appropriate line of authority. A subagent acts for the licensed agent and performs those activities, so they must be licensed in property and casualty if they are soliciting and binding P&C coverage. The involvement of an MGA doesn’t change this requirement—the activity dictates the need for licensing. The other options (life-only or conditional on the agent’s MGA status) don’t fit because the rule applies to the actual duties performed in the P&C field. The statement is true.