If your customers are buying homes, cars, or leases, the topic of insurance is going to come up — and you'll want to be helpful without crossing a line. The good news: you can absolutely talk about insurance in general terms and point people in the right direction. The key is knowing where general education ends and licensed activity begins. This is a plain-English guide, and it's educational, not legal advice — referral rules vary by state, so confirm specifics with your state Department of Insurance (DOI) or a qualified attorney.
Can you talk about insurance without a license?
Yes — within limits. The line is between general information (fine for anyone) and transacting insurance (which requires a license). You're allowed to be a helpful, informed point of contact, as long as you're educating and introducing rather than advising and selling.
The simplest mental model: you're a signpost, not an advisor. You can tell someone that coverage exists, why it matters, and how to get a quote from a licensed source. You don't tell them which policy to buy or what it'll cost.
Rule of thumb: if your answer would change what a client buys or what they expect to pay, stop and hand them to the licensed agent.