Ch. 792

LAWS OF MARYLAND

BY repealing and reenacting, with amendments,

Article 48A - Insurance Code

Section 167

Annotated Code of Maryland

(1986 Replacement Volume and 1988 Supplement)

SECTION 1. BE IT ENACTED BY THE GENERAL ASSEMBLY OF
MARYLAND, That the Laws of Maryland read as follows:

Article 48A - Insurance Code

167.

(a)  A person may not act as an insurance agent unless:

(1)  That person has obtained a certificate of
qualification from the State in the particular kind or kinds of
insurance or subdivisions thereof for which that person intends
to act as agent; and

(2)  That person has obtained an appointment or
appointments from an insurer or insurers.

(b)  A person may not act as an insurance broker unless that
person has obtained a certificate of qualification from the State
in the particular kind or kinds of insurance or subdivisions of
insurance for which that person intends to act as broker.

(c)  (1) Except as provided in this subsection, an agent may
not solicit or take application or negotiate, procure or make any
insurance for which that agent does not then possess a valid
appointment.

(2)  An agent may, without an appointment, submit to
an insurer an informal inquiry for any kind of life insurance,
health insurance, or annuity for which the agent has a valid and
effective certificate of qualification if the insurer has a valid
and effective certificate of authority under this article for the
kind of insurance with respect to which the inquiry is made.

(3)  An agent may, without an appointment, solicit an
application for any kind of life insurance, health insurance, or
annuity for which the agent has a valid and effective certificate
of qualification if the insurer to which the application is
submitted has a valid and effective certificate of authority
under this article for the kind of insurance requested in the
application.

(4)  Within 30 days from receipt by an insurer of an
application for life insurance, health insurance, or an annuity
from an agent who does not hold a valid appointment from the

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