852                                  Laws of Maryland                          [Ch. 515

or properly authorized representative of the insurer stating that
the insurer has investigated the character and background of the
applicant and is satisfied that he is trustworthy and qualified to act
as its agent and to hold himself out in good faith to the general public
as a life insurance agent and that the insurer desires that the appli-
cant be licensed as a life insurance agent to represent it in this State.

(3) The application, when filed, shall be accompanied by the amount
of the fee required by Section 42 (c) of this Article, and, in the case
of applicants required to take an examination as hereafter prescribed,
by an examination fee in the amount of $5.00 $10.00 $5.00.

(e) Examination of Applicant for License.

(1) Each applicant for a license to act as a life insurance agent,
within this State shall be required to submit to a personal written
examination to determine his competence with respect to life insur-
ance and annuity contracts and his familiarity with the pertinent
provisions of the laws of this State, and shall pass the same to the
satisfaction of the Insurance Commissioner. PROVIDED, HOW-
EVER, THAT SUCH APPLICANT SHALL BE EXAMINED ONLY
ON THE TYPE OF LIFE INSURANCE BUSINESS IN WHICH
THE INSURER BY WHOM HE IS EMPLOYED IS ENGAGED;
AND PROVIDED FURTHER THAT HE SHALL NOT BE RE-
QUIRED TO TAKE MORE THAN ONE EXAMINATION. Any
applicant under this section may apply for a license to write accident
and health, as well as life insurance, if the insurer for whom such
applicant is to act is authorized to transact such business in this State
and such applicant shall submit to a personal written examination to
determine his competence with respect to such type of insurance. An
applicant for a license under this section may specify whether he
desires to be examined as an agent to sell only life insurance or as
an agent to sell life and accident and health insurance, and he shall
be so examined, in one examination, by the Insurance Commissioner
OR DEPUTY COMMISSIONER. The written examination provided
for in this section shall not be required of:

(i) An applicant for a renewal license, unless the Insurance Com-
missioner determines that such examination is necessary to establish
the competency of such individual; or unless a license has not been
issued to such applicant within five years preceding the date of filing
his application;

(ii) An applicant who is a ticket selling agent or other representa-
tive of a public carrier and who shall act under a restricted license
only as an agent with respect to accident insurance tickets covering
risks of travel; nor an applicant who shall act under a restricted
license as an agent only with respect to selling credit life and/or
credit accident and health insurance to a borrower of money or a
purchaser of goods in connection with a specific loan or credit trans-
action; NOR AN APPLICANT WHO SHALL ACT UNDER A RE-
STRICTED LICENSE AS AN AGENT ONLY WITH RESPECT
TO SELLING DECREASING TERM INSURANCE IN CONNEC-
TION WITH THE PURCHASE OF INVESTMENTS.

(iii) In the discretion of the Insurance Commissioner, an applicant
whose license, to do business or act as a life insurance agent in this
State was suspended less than one year prior to the date of applica-
tion.