Which of the following actions are unlicensed individuals NOT permitted to perform?

In the context of insurance practices, unlicensed individuals are restricted from performing certain tasks that require a license to ensure that consumers receive professional and accurate information regarding insurance policies. Discussing policy language with clients falls into this category, as it involves providing interpretation and detailed explanations of the terms, conditions, and coverage of insurance policies. This function typically requires specific knowledge and training that licensed insurance professionals possess, which helps to protect clients from misinformation or misunderstandings about the products they are considering.

On the other hand, actions such as taking application information, preparing applications, and providing rate information can be carried out by unlicensed individuals as long as they do not engage in the interpretation of the policy language or advise clients on the coverage. Overall, the licensing requirement exists to ensure that clients receive sound advice and comprehensive understanding of their insurance needs, which is central to the trust and efficacy of the insurance system.