The below activities always require an appropriate license. These activities include:

· comparing insurance products

· advising customers about their insurance needs or other insurance matters

· interpreting policies or coverages

· binding new, additional, or replacement coverage for new or existing customers

· binding coverage on or recording additional property under existing policies

· soliciting the sale of insurance by telephone, in person, or by other communication methods

The degree of Felony and penalty varies by the State in which the above happens.