Which of the following activities is NOT permitted for an unlicensed individual?

Signing an insurance application is a significant action that typically requires a license because it involves officially binding the insurer and the insured to the contract terms. The signature represents consent and agreement to those terms, which is a critical function of licensed agents and brokers. Unlicensed individuals do not possess the qualifications or authority to enter into such agreements on behalf of an insurance company, as they may lack the necessary understanding of the contractual obligations and legal implications involved.

In contrast, the other activities listed can often be performed by unlicensed individuals. For example, they may collect claim information or provide rating information, as these tasks do not involve entering into contracts or making binding decisions on behalf of an insurance entity. However, completing an application for coverage usually falls under the same regulatory scrutiny as signing an application, as it could also imply an understanding of the insurable interest and the application’s terms, making it typically restricted for those without proper licensing.