Licensing

Health, license #P206416

Property & Casualty, license #P097666

US regulations:

Each US state regulates individuals who sell Health Insurance and Property & Casualty policies to cover risk in their respective state by requiring the individual to obtain a Health or P&C license. An individual must obtain a resident license in the state he or she resides or works in. The individual often times must fulfill a certain amount of course hours to familiarize him/her with the state's regulations and the professional conduct that is expected of the licensee. The individual must also pass an exam.

License #D-4XTY-QI1F2-47

License #D-IVM7-KQHGC-08

German regulations:

As of June 2007 new EU based insurance regulations are in place. Some material contents of the "EU Richtlinie"may be summarized as follows:

• Professional insurance mediation will become subject to license requirements.
• Insurance Mediators have to register. Furthermore, the necessity to prove the adequate knowledge (i.e. through an exam), and the duty to have a professional liability insurance are to be introduced.
• In the case of legal persons, the exam for the proof of the adequate knowledge must be taken by a senior employee and it must be internally guaranteed and documented that the relevant employee are adequately qualified.
• Insurance mediators which have been active without interruption since at least August 31, 2000, can be exempted from the duty to take an exam.