Hand holding smartphone for select insurance technology Any person or entity selling, soliciting or negotiating insurance must be licensed as an insurance producer ("producer" being a general term for either an agent or broker) or qualify for an exemption from such licensing requirements.(Credit: Oulaphone/stock.adobe.com)

Embedded insurance products are often closely integrated with a company's website to allow its customers to seamlessly purchase insurance online while they are purchasing other goods or services. However, companies considering this "embedded insurance" model must confront the complicated, and sometimes confusing, world of the U.S.'s state-based insurance regulations.

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