{"data":{"id":"us-md/md.-code-insurance-27-405","jurisdiction":"us-md","citation":"Md. Code, Insurance § 27–405","heading":"","body":"(a) It is a fraudulent insurance act for a person to act as or represent to the public that the person is:\n(1) an insurance producer or a public adjuster in the State if the person has not received the appropriate license under or otherwise complied with Title 10 of this article;\n(2) a navigator of the Small Business Health Options Program of the Maryland Health Benefit Exchange if the person has not received the appropriate license under or otherwise complied with § 31–112 of this article;\n(3) a navigator of the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with § 31–113 of this article; or\n(4) an application counselor certified by the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with § 31–113(r) of this article.\n(b) It is a fraudulent insurance act for an insurance producer:\n(1) to solicit or take application for, procure, or place for others insurance for which the insurance producer has not obtained an appropriate license;\n(2) knowingly to violate § 10–130 of this article; or\n(3) intentionally to fail to report to an insurer the exact amount of consideration charged as a premium for an insurance contract, if different from the policy premium, and to fail to maintain records that show that information.","path":["Article - Insurance"],"source_url":"https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gin\u0026section=27-405","current_through":"2026-01-01","vintage":"","retrieved_at":"2026-09-14T19:59:28Z","sha256":"f15699bf9bdcbaba3be221fe89e50131b0b8a318b0152f5beaac99ac4ccc0e4d","source_id":"us-md","stale":false,"prev":"us-md/md.-code-insurance-27-404","next":"us-md/md.-code-insurance-27-406"},"notice":"GroundRules: Original legal text. Not legal advice."}