This section applies to: a license to act as an insurance producer for insurance other than life insurance, health insurance, or annuities; a limited lines license to act as an insurance producer for limited line credit insurance other than credit life insurance or credit health insurance; and a limited lines license to act as an insurance producer for a line of insurance described in §§ 10–122 through 10–125 of this subtitle. To qualify for a license to which this section applies, an individual applicant must meet the requirements of this section. An applicant must be of good character and trustworthy based on the standards of § 10–126 of this subtitle. An applicant must be at least 18 years of age. An applicant may not have committed any act that the Commissioner finds would warrant denial of a license under § 10–126 of this subtitle. In the case of an applicant for a limited lines license to act as an insurance producer for limited line credit insurance, the applicant shall complete successfully a program of instruction that is: provided by an insurer that sells, solicits, or negotiates limited line credit insurance; and designed to provide a comprehensive and accurate explanation of the product. The insurer that provides the program of instruction shall retain records relating to the program of instruction while in use and for a period of at least 5 years after its last use. The records shall include: copies of the instructional materials; and a list of the applicants and producers who have successfully completed the program of instruction. The insurer shall make available to the Commissioner the records relating to the program of instruction at the request of the Commissioner. Except as otherwise provided in this section, the applicant must pass an examination given by the Commissioner under this subtitle. An applicant for a limited lines license to act as an insurance producer for limited line credit insurance need not meet the examination requirements of subsection (g) of this section. An applicant may be licensed as to any particular kind or kinds of insurance.