Under what conditions can a person who provides information for group insurance be exempt from needing a license?

A person who provides information for group insurance can be exempt from needing a license under the condition that they do not receive a commission for securing and furnishing that information. This exemption exists because the requirement for licensure is generally tied to the concept of providing services for compensation. If an individual is simply passing along information or facilitating the process without receiving a commission, they are considered to be acting in a capacity that does not necessitate licensure. This helps to ensure that those who are truly acting as agents or brokers—who would need to be licensed to engage in the transaction of insurance—are distinct from those providing basic information without a financial incentive linked to their actions.

The other options suggest various conditions that do not align with the licensing requirements. Having a business license or working with large companies does not inherently grant an exemption from licensure in the context of insurance. Additionally, possessing a financial advisor certification does not automatically confer the right to provide insurance-related information without a license, as each profession has its own regulatory frameworks and requirements. Thus, the key factor in determining the necessity of a license revolves around whether compensation, specifically in the form of a commission, is involved.