What cannot be done by individuals representing Aflac until they are appropriately licensed and appointed?

The ability to solicit and negotiate is specifically regulated in the insurance industry, including for companies like Aflac. Until individuals are appropriately licensed and appointed, they do not have the legal authority to engage in activities that involve discussing policy terms, discussing pricing, or negotiating coverage with potential clients. Licensing ensures that they have the necessary knowledge of insurance laws, regulations, and the specific products being offered, which protects consumers and upholds the integrity of the insurance business.

In contrast, while participating in sales negotiations, making sales presentations, and handling customer service inquiries are important functions within the role, they may not require the same level of licensure or authority as soliciting and negotiating. These activities can sometimes be performed in a support capacity or under the guidance of a licensed representative, especially if they are not binding or contractual in nature.