Which of the following actions is NOT permitted under Idaho insurance laws?

Conducting insurance business without proper licensing is not permitted under Idaho insurance laws, as licensing is a critical requirement for all individuals and entities engaged in the insurance industry. Insurance regulation is designed to protect consumers and ensure that those offering insurance services meet specific standards and qualifications.

In contrast, transacting insurance with a valid certificate of authority, providing services under a licensed insurance agent, and filing for a certificate of authority with the state are all actions that comply with regulatory requirements. A valid certificate of authority is a demonstration that an insurance company is authorized to transact business within the state. Working under a licensed agent means that an individual is part of a regulated system, and filing for a certificate of authority is a necessary step for businesses seeking to operate legally in the insurance market. Thus, all these actions support the framework of legal and ethical standards governing the insurance industry.