Which individual is exempt from taking the licensing examination according to the provided guidelines?

A non-resident licensee from a reciprocal state is exempt from taking the licensing examination because of the agreements established between states that recognize each other’s licensing requirements. This means that if someone is already licensed and in good standing in one state, they may not need to retake an exam to obtain a license in another state that has a reciprocal agreement. This system facilitates easier mobility for insurance professionals and acknowledges the validity of licenses from other jurisdictions.

The other options do not provide an exemption based on the guidelines. For instance, having a suspended license typically disqualifies an individual from taking the exam until the issue is resolved. Full-time employees of an insurance company may have different requirements depending on their specific roles, but they still usually need a license if they manage policies or serve in certain capacities. Similarly, an insurance broker with more than five years of experience may be knowledgeable but does not inherently qualify for an exemption from the exam based solely on experience alone.