Who is classified as a nonresident agent?

A nonresident agent is an insurance professional who holds a valid license to sell insurance in a state but does not reside in that state. This classification is important because it enables agents to conduct business in multiple states, provided they meet the licensing requirements established by those states.

In the context of the correct answer, an agent who resides in another state yet has obtained a license in the state in question exemplifies this definition. This allows them to legally conduct insurance transactions and operate within the regulatory framework of that state, despite not being a resident. Nonresident agents often represent insurance companies in states where they do not live, expanding the reach of both agents and insurers.

The other options do not align with the definition of a nonresident agent. An agent residing in the same state would merely be a resident agent. An agent without a license cannot legally sell insurance at all, and an agent who solely sells insurance online does not inherently determine residency or non-residency based on their sales platform. Thus, the classification hinges solely on the combination of residency and licensing status as described in the correct answer.