1106 LAWS OF MARYLAND. [CH. 642

lating to the qualification and licensing of insurance ad-
visers and to the suspension or revocation of such licenses.

SECTION 1. Be it enacted by the General Assembly of Mary-
land, That a new section be and the same is hereby added to
Article 48A of the Annotated Code of Maryland (1939 Edi-
tion), title "Insurance", sub-title "Agents and Brokers", to
be known as Section 94A, and to follow immediately after
Section 94, and to read as follows:

94A. Insurance Advisers; Licensing; Revocation or Sus-
pension.

(1) No person shall act as an insurance adviser, as defined in
this Section, unless authorized so to act by virtue of a license
issued or renewed pursuant to the provisions of this Section.

(2) The term "insurance adviser" as used in this Section shall
mean any person who, for money, fee, commission or any other
thing of value offers to examine, or examines any policy of in-
surance or any annuity or pure endowment contract for the
purpose of giving, or gives or offers to give, any advice, counsel,
recommendation or information in respect to the terms, condi-
tions, benefits, coverage or premium of any such policy or con-
tract, or in respect to the expediency or advisability of altering,
changing, exchanging, converting, replacing, surrendering,
continuing or rejecting any such policy or contract, or of
accepting or procuring any such policy or contract from any
insurer, or who, or which, in or on advertisements, cards,
signs, circulars or letterheads, or elsewhere, or in any other
way or manner by which public announcements are made,
uses the title "insurance adviser", "insurance specialist",
"insurance counselor", "insurance analyst", "policyholders' ad-
viser", "policyholders' counselor", "refund company", or any
other similar title, or any title indicating that he gives, or is
engaged in the business of giving advice, counsel, recommenda-
tion or information to holders of policies of insurance or
annuity or pure endowment contracts, shall be deemed an
insurance adviser.

(3) Nothing contained in this Section shall apply (a) to an
officer, employee, agent or other representative of any author-
ized insurer while acting for such insurer; (b) to any licensed
insurance broker who acts on behalf of a client of such
broker; (c) to any licensed attorney-at-law of this State acting
within the course or scope of his profession, nor (d) to any
public adjuster of losses under policies of fire or allied lines of
insurance, who, for compensation acts or aids in negotiating
contracts of insurance or reinsurance, or gives, or offers to
give to the public advice on insurance matters, provided, how-
ever, that no such insurer's representative, broker, attorney-
at-law or public adjuster shall advertise or publicly represent