To qualify for a license as an insurance producer for life insurance, health insurance, annuities, nonprofit health service plans, dental plan organizations, health maintenance organizations, or fraternal benefit societies 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 credit life insurance or credit health insurance, the applicant shall successfully complete 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 the records relating to the program of instruction available to the Commissioner at the request of the Commissioner. Before taking a written examination, an applicant shall pay the application fee required under § 2–112(a)(6)(vi) of this article. Except as otherwise provided in this subsection, the applicant must pass an examination given by the Commissioner under this subtitle. The following applicants are not required to take an examination: an applicant for a license to act as an insurance producer only for selling credit life insurance or credit accident and health insurance or both to a borrower of money or buyer of goods in connection with a loan or credit transaction; an applicant for a license to act as an insurance producer for a dental plan organization if the applicant for compensation solicited, procured, or negotiated contracts for dental plan organizations continuously from July 1, 1988, to June 30, 1989; an applicant for a license to act as an insurance producer for a nonprofit health service plan if the applicant for compensation solicited, procured, or negotiated contracts for nonprofit health service plans continuously from July 1, 1988, to June 30, 1989; or an applicant for a license to act as an insurance producer for a health maintenance organization if the applicant for compensation solicited, procured, or negotiated contracts for health maintenance organizations continuously from July 1, 1988, to June 30, 1989. An applicant may be licensed as to any particular kind or kinds of insurance.