Lines of authority
A line of authority is the category of insurance a license lets you sell. You don’t get one universal license — you get authority per line. This is component #6 of the Uniform Application. GROUNDED · Fenwick
The lines (per the NAIC Uniform Application)
Section titled “The lines (per the NAIC Uniform Application)”| Line | What it covers | Wiki section |
|---|---|---|
| Life | Death-benefit products, cash-value life. | 07 Life |
| Accident & Health / Sickness | Medical, disability, LTC, Medicare supplements. | 08 Health |
| Property | Damage to/loss of property (fire, theft, perils). | 05 Property |
| Casualty | Liability — negligence, E&O, auto liability, workers comp. | 06 Casualty |
| Personal Lines | A P&C subset for individuals/families (home + auto). | 05/06 |
| Variable life / variable annuity | Securities-linked life/annuity products. | 07 Life |
GROUNDED · Fenwick
Common bundles
Section titled “Common bundles”- P&C = Property + Casualty (often sat as a combined exam/track).
- L&H = Life + Health.
- Personal Lines is a narrower P&C authority for individual customers only. STABLE
Mapping the Glacis product → the right line
Section titled “Mapping the Glacis product → the right line”The Glacis play is a Tech E&O policy for healthcare AI. Errors & Omissions / professional liability is a liability coverage, and liability lives in Casualty. STABLE
The “healthcare” in the product describes the customer’s vertical, not the line. The coverage itself is Casualty, not Health. The Health line (Domain 8) is about medical/disability insurance — a different thing. STABLE
Both the individual (DRLP) and the entity must hold Casualty authority, because the DRLP must hold the same line the entity seeks (see 01 The DRLP). GROUNDED · Fenwick
Variable products need securities licensing too
Section titled “Variable products need securities licensing too”Selling variable life/annuity products requires FINRA registration (commonly a Series 6 or 7 plus a Series 63) in addition to a Life line. This is not needed for the Glacis Tech E&O (casualty) path — note it only so you recognize it on the exam. STABLE
Why the line choice cascades
Section titled “Why the line choice cascades”The line you pick determines:
- which exam you sit (P&C vs L&H),
- which pre-licensing course you take,
- what the DRLP must hold,
- what the entity can be licensed for,
- and therefore what the MGA can actually write.
Choosing Casualty / P&C is the foundational decision for the entire Glacis arc.
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