What type of producer may sell Travel Accident insurance in Illinois?

The correct answer is that a limited lines producer may sell Travel Accident insurance in Illinois. In the insurance industry, a limited lines producer is licensed to sell specific types of insurance policies without requiring the full range of licensing needed for general lines. Travel Accident insurance is considered a specialized type of coverage, and as such, it falls under the purview of limited lines insurance. Agents working under this designation are focused on niche areas of insurance, which often include travel-related coverage.

A general lines producer, on the other hand, typically has a broader license that allows them to sell various insurance products, including life, health, and property insurance, but not necessarily specialized lines like Travel Accident without additional training or licensing specific to that product. Nonresident producers can sell insurance in Illinois but also require specific licensing to sell any kind of insurance, including Travel Accident. They are often licensed in their own states but must comply with Illinois rules to operate there. An expert lines producer, though not typically recognized in the standard licensing categories, would suggest a high level of specialization but is not an official designation for any specific type of insurance sales, making it not applicable in this case.