Anyone involved in disseminating information as to rates secured through reference to a published or printed list, or through a computer data­base of standard rates;

• Explains, discusses, or interprets coverage; analyzes exposures or policies, or gives opinions or recommendations of coverage;
• Discusses the effect of age, health, or other risk­related conditions of a prospective policyholder;
• Counsels or advises any prospective purchaser to buy a particular policy, or to insure with a particular company;
• Indicates that any inquiry concerning coverage is or will be bound or issued bind coverage;
• Issues certificates of insurance, endorsements, binders, commitments, insurance policies or insurance identification cards as the effectuation of the insurance policy.