Which of the following is necessary for an insurance agent to legally sell insurance?

To legally sell insurance, an insurance agent must possess a state-issued license. This requirement ensures that the agent has met the educational qualifications, passed necessary examinations, and understands the laws and regulations governing insurance in that particular state. Licensing helps protect consumers by ensuring that agents are knowledgeable about the types of insurance products they are offering and can provide informed advice and service.

While having a valid driver's license, completing training programs, or being a member of a professional organization can be beneficial for an insurance agent, they are not legally required to sell insurance. The primary prerequisite enforced by state law is the possession of the appropriate license, making it the key factor in establishing an agent's capability to operate legally in the insurance market.