Can Jerry provide a quote for insurance on his friend's vacant land before obtaining his license?

The correct response to the question about whether Jerry can provide a quote for insurance on his friend's vacant land without a license is indeed no. In Michigan, as in most states, providing insurance quotes or acting in any capacity as an insurance agent requires a proper license. This regulation is designed to ensure that individuals offering insurance products and services have the necessary knowledge and training to guide clients appropriately and to protect consumers from potential fraud or misinformation.

Being unlicensed means Jerry lacks the qualifications mandated by state law to evaluate insurance needs, provide quotes, or facilitate coverage for others, regardless of the relationship to the individual seeking the insurance. Licensing also typically involves passing an examination and completing continuing education to remain informed about insurance products, industry regulations, and ethics. Therefore, without a license, Jerry is prohibited from engaging in these activities, which aligns with maintaining standards within the insurance industry.