Which of the following is least likely to be considered "transacting insurance" under most state laws?

Which of the following is least likely to be considered "transacting insurance" under most state laws?


A person mails renewal policies to clients.


A person presents insurance quotations to applicants.


A person completes applications and transmits them to insurers.


A person negotiates with insurers to get the best quotes for clients.



Answer: A person mails renewal policies to clients.

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