A life insurance license is a professional certification that grants individuals the legal authority to sell life insurance policies. Issued by state insurance departments, this license indicates that the holder has met specific requirements, which often include completing a pre-licensing education course and passing a licensing exam. Authorized by the license, individuals can legally sell various types of life insurance, providing financial protection to beneficiaries in case of the policyholder's death. Renewal of the license typically requires ongoing education to keep licensed individuals informed about changes in insurance laws, products, and industry practices. Life insurance license holders may work independently or as representatives of insurance agencies, assisting clients in making informed decisions about life insurance coverage based on their financial needs and goals.

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