What is one requirement that an applicant for an agent's license does NOT need to fulfill?

An applicant for an agent’s license does not need to be an insurer themselves, as the role of an insurance agent is to represent insurance companies and facilitate the sale of their products to clients. While agents must have an affiliation with an insurance carrier and work on behalf of that insurer, they are not required to own or be a carrier themselves. This distinguishes them from insurers, who are the actual companies underwriting insurance policies.

In contrast, the other requirements—having prior experience in insurance, being of legal age, and passing a background check—are essential for applicants. These requirements ensure that agents possess the necessary knowledge, are of a suitable age to engage in contractual relationships, and have a trustworthy history, all of which are vital for maintaining the integrity and safety of the insurance industry.