Before acting as an insurance agent, what must an individual hold?

To operate as an insurance agent in Virginia, an individual must possess both a valid insurance license and an appointment from an authorized insurer.

Holding a valid insurance license is a fundamental requirement that shows the individual has met the necessary qualifications and has completed the required training to sell insurance products legally. This licensing process typically involves passing examinations that ensure the agent has sufficient knowledge of insurance laws, products, and practices.

In addition to the license, being appointed by an authorized insurer is critical because it establishes the agent's official relationship with the company they represent. This appointment allows the agent to market and sell the insurer's products, ensuring they are acting on behalf of an authorized entity in line with regulatory standards.

Together, these requirements ensure that consumers are dealing with qualified professionals who are recognized by both the state and the insurance companies, enhancing the integrity and reliability of the insurance market.