Some banks allow employees to unlicensed broker offering life insurance and close the sale and submit an application to provide employees with a licensed broker to sign on.
Some banks allow an employee who is not a licensed broker to sell life insurance sales on and off and to send the application employees who are licensed brokers signed.
Some banks allow employees, that is not a licensed broker to sell life insurance and close sales. and send the application to make available to employees who have a license broker to sign.