Which of the following individuals is not required to have an insurance broker's license?

An individual performing clerical duties in a broker's office is not required to have an insurance broker's license because their role typically does not involve direct engagement with clients or the actual selling of insurance products. Clerical duties generally consist of administrative tasks such as filing, data entry, and managing paperwork, which do not necessitate the specialized knowledge or legal authority that comes with holding an insurance broker's license.

In contrast, individuals who are actively involved in selling insurance policies, engaging in negotiations, or receiving premium payments are performing functions that require a thorough understanding of the insurance products and the regulations governing their sale. These activities involve direct interaction with clients and the handling of financial transactions, which are aspects that the insurance regulations require to be conducted by licensed professionals to ensure that consumers are protected and that the transactions are carried out legally and ethically.