What constitutes a customer relationship with a licensee?

A customer relationship with a licensee is best defined by a continuing relationship providing services for personal purposes. This indicates an ongoing engagement beyond a single transaction, highlighting the importance of sustained interaction and the provision of personalized service. Such relationships typically involve regular communication, trust, and a deeper understanding of the customer’s needs and preferences.

While a one-time purchase can create a temporary connection, it does not establish a lasting relationship necessary for providing tailored insurance services. Similarly, a referral may help initiate contact, but it does not inherently develop a relationship characterized by consistent service and interaction. An inquiry about new insurance options indicates interest but falls short of establishing a formal customer relationship, as it lacks the depth and continuity required in a professional service context. Thus, the ongoing nature of the interaction is what solidifies a customer relationship in this framework.