Are you familiar with insurance brokers?
I am a little yes, this may come as a shock to you but they sell insurance.
Yes, they sell many different types of insurance.  Did you know that they have to be licensed to do so?
I did not, I know the largest one in the world is Marsh and Mclennan. They sell alot.
Yes they have to go through extensive classes and testing to become licensed...and they have to be licensed in the state of which they are selling.  There are many different insurance companies all across the US
Yes that law was passed in 1977, making them get licenses.
I did not realize that was a law that was passed just in 1977.  Feels like they could have just sold any line anywhere willynilly before 77
yes and just recently in 2013, they have gotten very strict. In the past alot of people got scammed.