As someone in the industry but not in the US, I&#x27;d say this is a case where your ignorance (and you are clearly ignorant here) is more of a hindrance than a benefit.<p>Providing insurance advice is the same as financial planning, mortgages, investments and any of a number of professions that are all licenced by the state. The reason for these licences is because not having them creates a wealth of misinformation that can (and historically has) resulted in massive amount of fraud and theft from consumers, because - like you - they generally aren&#x27;t knowledgeable enough to be able to discern a difference of professional opinion from someone selling snake oil.<p>A licence is a minimum requirement to show to everyone that you have grasped the basic concepts and rules surrounding the product you are <i>advising others</i> on. It does some other things as well, like ensure you have proper E&amp;O insurance and stay up to date with changing legislation, but that isn&#x27;t its primary purpose.<p>Licencing is a form of consumer protection. End of story. Arguing that it isn&#x27;t necessary and&#x2F;or consumers in these industries don&#x27;t need protection to counter their ignorance (which is the entire reason they are buying advice in the first place) is naive almost to the point of being moronic.