Insurance agent (§31): acts by and on behalf of an insurer, for classes of insurance other than life, disability or health.

Life licensee (§32, §1626): authorized to act as a life agent on behalf of a life or disability insurer. A life license lets you transact insurance on human lives, including endowments and annuities, and may include accidental death and dismemberment benefits and disability income benefits by rider. A life agent can act for an insurer only after that insurer files a notice of appointment (§1704).

Insurance broker (§33): for compensation and on behalf of another person (the client), transacts insurance other than life, disability or health with, but not on behalf of, an insurer. In short: the agent represents the insurer; the broker represents the insured.

Life and disability insurance analyst (§32.5): for a fee paid by someone other than an insurer, advises people about their life or disability policies. Think of a fee-only consultant.

Life settlement broker: represents only the policyowner in selling a policy to a life settlement provider and owes the owner a fiduciary duty. A life agent licensed for at least one year does not need a separate broker license: within 10 days of first acting as a broker, the agent notifies the Commissioner and pays $85 for each license term (§10113.2(b)(1)(D)).

Insurance solicitor (§1624): a natural person employed to help a property and casualty broker-agent transact insurance other than life, disability or health. There is no such thing as a life solicitor.