850                               Laws of Maryland                        [Ch. 515

Brokers", said new section to be known as Section 116A and to
follow immediately after Section 116 of said Article, relating to the
licensing of agents of life insurance companies.

Section 1. Be it enacted by the General Assembly of Maryland,
That a new section be and it is hereby added to Article 48A of the
Annotated Code of Maryland (1951 Edition), title "Insurance", sub-
title "Agents and Brokers", said new section to be known as Section
116A, to follow immediately after Section 116 of said Article, and to
read as follows:

116A. Qualifications and Licensing of Agents Soliciting and
Selling Life Insurance.

(a)  Life Agent Defined.

(1)  As used in this section, the term "life insurance agent" means
any authorized or acknowledged agent of an insurer, and any sub-
agent of such agent, who acts as such in the solicitation of, negotia-
tion for, or procurement or making of a life insurance or annuity
contract; except that the term "life insurance agent" shall not include
any regular salaried officer or employee of a licensed insurer, or of a
licensed life insurance agent, who does not solicit or accept from the
public applications for any such contract. A regular salaried officer
or employee of an insurer authorized to do business in this State shall
not be deemed to be a "life insurance agent" by reason of rendering
assistance to, or on behalf of a licensed life insurance agent, provided
that such salaried officer or employee devotes substantially all of his
time to activities other than the solicitation of applications for life
insurance or annuity contracts and receives no commission or other
compensation directly dependent upon the amount of business ob-
tained. PROVIDED, HOWEVER, THAT NOTHING IN THIS
SECTION SHALL APPLY TO FRATERNAL BENEFICIAL
ASSOCIATIONS, THEIR AGENTS OR EMPLOYEES, OR TO
ATTORNEYS AT LAW.

(2)  The term "sub-agent" means any person, except as provided
in Sub-section (a) (1), who acts for or on behalf of a licensed life in-
surance agent in the solicitation of, negotiation for, or procurement or
making of a life insurance or annuity contract, whether or not he is
designated by such agent as a sub-agent or a solicitor or by any other
title. Each sub-agent shall be deemed to be a life insurance agent,
as defined above, and wherever, in succeeding Sub-sections of this sec-
tion, the term "life insurance agent" is used, it shall include sub-
agents, whether or not they are specifically mentioned. Each such
person shall individually file an application for license and submit to
a written examination as hereafter provided for applicants for a life
insurance agent's license.

(3) Any person may be licensed as a life insurance agent upon
compliance with the provisions of this section.

(b)  Acting for Unauthorized Companies Prohibited.

(1) No person shall, within this State, solicit, procure, receive, or
forward applications for life insurance or annuities, or issue or
deliver policies for, or in any manner secure, help, or aid in the
placing of any contract of life insurance or annuity for any person