1058                            LAWS OF MARYLAND                      [CH. 553

ever, that IN THE CASE OF LIFE INSURANCE AND HEALTH
INSURANCE the provisions of this section shall not prevent the pay-
ment or receipt of commissions on renewal premiums on existing
policies or other deferred commissions to or by any person solely
because such person has ceased to hold a license to act as agent,
broker, or solicitor. OR BROKER EXCEPT AS OTHERWISE PRO-
VIDED BY THIS ARTICLE.

(d) Any person who violates any provision of this section shall
be guilty of misdemeanor, and upon conviction thereof shall be sub-
ject to a fine of not more than $500.00 or to imprisonment for not
more than 6 months, or both, for each such violation.

(E) THIS SUBTITLE SHALL NOT APPLY TO ANY PERSON
EMPLOYED BY AN INSURED TO ADMINISTER OR ASSIST
IN THE ADMINISTRATION OF THE INSURANCE OR RISK
MANAGEMENT PROGRAM OF HIS EMPLOYER, OR TO A
LICENSED INSURANCE ADVISER WHILE EMPLOYED UN-
DER CONTRACT BY AN INSURED AND ACTING ON BEHALF
OF THE INSURED, PROVIDES PROVIDED THAT SUCH PER-
SONS ARE NOT AUTHORIZED TO ACCEPT ANY COMPENSA-
TION FROM ANY AGENT, BROKER OR INSURER.

168. General Qualifications for Licenses.

(a)   For the protection of the people of this State, the Commis-
sioner shall issue, renew, continue or permit to exist licenses only
in compliance with this article and only as to individuals who are
trustworthy and of good character and who have qualified therefor
by study programs, experience and examination in accordance with
the provisions of this subtitle.

(b)   Cumulative Licenses.

(1)   Any qualified individual may be appointed by and may be
licensed as an agent for any one or more insurers as to the kind or
kinds of insurance business for which the person is qualified.

(2)   If qualified a licensed agent may also be licensed as a broker.

(c)   Scope of broker's licenses. A broker's license shall be issued
to authorize the transaction of business by a person qualified there-
for in the following categories: (A) all kinds of insurance; (B) all
kinds of insurance other than life; and (C) life and health insurance
only.

(d)   No license to act as agent, broker or solicitor OR BROKER
may be issued to other than an individual. Licensees may conduct
their insurance business affairs as a partnership or corporation pro-
vided that every individual who solicits, negotiates, or accepts insur-
ance business from the public shall be licensed in accordance with
the provisions of this subtitle. QUALIFIED AND LICENSED FOR
THE LINES FOR WHICH HE IS TO RECEIVE COMPEN-
SATION IN ACCORDANCE WITH THE PROVISIONS OF THIS
SUBTITLE.

(e) A solicitor shall have such powers and duties as his contract

of employment provides; except that no solicitor shall solicit insur-
ance, collect premiums or otherwise conduct business in any name

other than the trade name of the agent or broker by whom he is

employed.