I&#x27;m not disputing that she&#x27;s incompetent.<p>I deal with incompetence on a daily basis. Everyone from banks to airlines have incompetent employees, and we&#x27;re not demanding that all customer support agents undergo licensing requirements. We live in a free market and the best way to deal with incompetence is the market. (Ex. I switched my bank after getting frustrated with incompetent tellers.)<p>Once again: the worst that an insurance salesperson can do is sell you bad insurance. They&#x27;re not actually involved in medical procedures, so any harm they can do is financial. And if that harm is due to fraud (misrepresenting a product to you), you have legal remedies. Bank customer support people have just as much potential to cause financial harm, but we don&#x27;t require them to be licensed.<p>Even more to the point: I can personally sign up for insurance directly on the internet, without talking to any licensed salesperson. If licenses salespeople are so essential to insurance, why can I buy insurance without interacting with one?<p>As far as I&#x27;m concerned, the only professions which should require government licensing are those where tort is insufficient to correct wrongs. (ie. someone can die: doctors, civil engineers, etc.)