What type of insurance cannot be transacted with a 'General Lines' insurance license?

A 'General Lines' insurance license allows agents to transact various types of insurance, including health, marine, and surety insurance. However, it is important to note that life insurance is not included under this license.

Life insurance typically requires a separate, specialized license. This distinction exists because life insurance involves unique considerations regarding risk assessment, underwriting processes, and regulatory requirements that differ from those of other types of insurance covered by a 'General Lines' license. By requiring a specific license for life insurance, regulatory bodies ensure that agents are adequately trained and knowledgeable about the complexities involved in life insurance products. Thus, the answer reflects a fundamental aspect of insurance licensing in Florida, where specific categories of insurance necessitate different licenses to ensure consumer protection and industry standards are upheld.