In its effort to make it easier for to simplify agent licensing lawas across the states, members of the National Association of Insurance Commissioners (NAIC) unanimously adopted in October amendments to its Producer Licensing Model Act.The Kansas, City, Mo.-based organization approved the Model Act in January, and industry observers believe it's crucial to making it easier for carriers to sell insurance on the Internet (see "Dismantling the E-Commerce Walls," March).

The amendments to the Model Act include the following:

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