A producer's license may be issued without taking an examination for which of these individuals?

A producer's license can be issued without taking an examination to individuals who hold an approved professional designation. This is because such designations demonstrate a certain level of expertise and knowledge in the field, which reduces the need for additional testing. Typically, state insurance departments recognize certain academic or professional credentials as sufficient proof of competence in life, accident, and health insurance topics.

The other options do not qualify for licensure without examination. Individuals with a criminal record may face restrictions, those who have previously failed the exam often need to wait and retest, and individuals under the age of 18 generally do not meet the minimum age requirement to hold a producer's license in most states. Thus, holding an approved professional designation provides a clear pathway for certain qualified individuals to bypass the examination requirement.