379.1815.  Licensure required for agent or broker of policies — exception for certain activities — countersignature requirements prohibited. — 1.  No person shall act in this state as an insurance agent or broker in connection with the solicitation, negotiation, or sale of a group personal lines property and casualty insurance policy unless the person is duly licensed under sections 375.012 to 375.146 as an insurance producer for the applicable lines of insurance.  However, none of the following activities engaged in by the insurer or its employees, or the policyholder or its employees, shall require the licensing of such entities or persons as insurance producers:

  (1)  Endorsement or recommendation of the master policy to employees or members;

  (2)  Distribution to employees or members, by mail or otherwise, of information pertaining to the master policy;

  (3)  Collection of contributions toward premium through payroll deductions or other appropriate means, and remittance of the premium to an insurer; or

  (4)  Receipt of reimbursement from an insurer for actual, reasonable expenses incurred for administrative services that and which would otherwise be performed by the insurer with respect to the master policy.  However, nothing herein shall supersede any applicable law or regulation that prohibits or regulates splitting of commissions with unlicensed persons, or rebating commissions or premiums.

  2.  No countersignature requirements shall apply to a group personal lines property and casualty insurance policy that is issued or delivered in this state pursuant to the provisions of sections 379.1800 to 379.1824.