OFFICE OF THE ATTORNEY GENERAL OF TEXAS 

AUSTIN 

B~~or~ble 0. P. Lockhart, Chairman 

Bomd of Inauranae Commlaalo~era 

Awtln, Tour 

Dear Slrt 

been raoelved and oarefully 

requeat aa follova8 

it broadcarta any other adverttaement. The broadcast doer not purport to be made in behalf of 

YOAI . It atatem t&t the article la “brought to 

YOU bx the sterling Ineuranos Company” and again 

that Sterling’s message to you lr . ..* and again 

“nou a meavage from our l poneor,” that 18, thr 

4frrllng Company. Ths advertlacment rtatet to 
Honorable C. P. Lookhart, page 2 

the public that they oan "addretie their card (in 

reaponme to the advmrtlaement) to Strrllug, aare 

of ArtloP WAX: Tha uhole artiala la one read 

8a oomlng from Sterling8 and not Srom YOAI. The 

l dvertlaement doea not purport to be a recommendation or l utateunt or anything of the aort 

on the part of UOAI.1 

“You will observe that the above 8taLsment 

lmplled, An ve belleve the ueu~l facta to be, 

that in naponae to tht broadcaut aollcltatlnn 

mall la addreared by peraona making inqulrlea, to 

the lnauranae oompan7 In cere of the broedcartlng atatlon, rhioh l t8tlon IA turn presumably foruuda there lnqulrloa by mall, or othervlae, to 

the foreign company at it8 home office, or pertape 

ouch lull la ploked Up at t.hA broadcaatlt;: rtatlon by ptrton8 repre8entlng the inewer. 

"You MJ aaaume that the radio rtoriona theml elvea Are either incorporated or not incorpor8ted, thnt the l drertlalng la accompll8hed either 

by the owner8 in person or through the obency of 

amployooa ; that al.1 of the insurers for whom the 

broodaaats are mAea Are incorporated; that the 

lnaureru pay a vAluoble conaidcrAt:on to the 

radlo rtationz for the broadcast; and that the 

aollcltatlona do rcault Ln inquiries rrom Urtanera 1~ the State of Taxa*, Which in Cue course 

rtech the lnaurtr And result, in m~cy ccae8, in 

the ‘Oltlmte ConsummAtion 01' Lnrurance comtra0ta 

by the insurer and paytntnt for life, health and 

acoldent pollclea, an well aa cA8ualty pollcler 

of tU4oua typ88; and it la reAaonable to a8uume 

further that the ~11 8ollolted by the radio atatlona contame not only lnqulrles, hut In 8ome 

caaet l ppllcailon blanks and remlttancee for IAu UrAAot . Aaaumt further that the redlo statlona 

and thtlr employtee are not llocneed ae IMuranoe 

agtnta . 

"We dtalrt your opinion aa to vhether (a) In 

the oeae of ln8urerm holding oertlflcntea of authorlt 

end (b 

to oonduct their busine8t In this Ltate, 

in cace of inmurtrr who do not hold euch 
,. :; 

JiOAOrabb 0. P. LOCkhart, pugt 3 

oertlflcatem, operatlona of the kind htrtlnabove 

doaorlbed oonrtltute a vlolatlon of any of the 

term of th6 roiiouing, w any other, Article8 

Of th. CiVil end iOMl’St4tUteI Of Our 2tet.e: 

.tr. J. Artlolea 5055 and 9%; PeAal Coda 

Artialea 568-570 inclualvt, and 5708. 

"You ~111 obaervt tb6t cowmel for the radio 

atatlon l bowe named arguer that theat broadoeata 

do Pot o o na tltutl e molicitetlon of appllcatlont 

for inruranae and that thtlr purpose and tfftct 

are not 'in any mnnner to aid ln tranmactl0A or 

the bU6iAe88 Of an7 lnaurMoe compuny,~ that th6 

8tatiOn or it8 tmplOyee8 are AOt permonr 'who take 

or trMII!dtI other th63 for himself' any ay;licatlon ror lnaurance . . . or who advertlate or othervlut glres notice that h6 will receive or trananit mea6 . . . or do or perform any otlur act or 

thlag ln the making or oonaucumtlrlg of any aontracx 

of l~aur8~6e for or vlth any such bturanat mmpuay other then for hlmaelf . . . uhether eny of 

l wh a a ta ahall be dome at the lnatence or cow-t, or by the employment of much lmura,nce 

ooapany, or of, or by, Amy broker or other pereon . . ..I and that th6y are not prIOA8 vho 'eolicit llfo, health or eocldent insurance or act 

aa 6 life, heelth or aCCld6At lnrurance agent 

for any pereon or lnaur6nce company or aaaoalatlcm not authorized to do bU8lne8a in TtX88 . ..I 

kceuat, priAOip4lly, tha l o~loitatlona on their 

feae purport to be madt odly behalf of tht lal uror, and not jolted in or reoommended in any 

way by the braadoeatlng l tatlon itself. Tht rtply to that poaltlon 8eem8 to u8 plalux thet the 

axlatenat of a rollcltatlon Is uot dependent upon the quertlon of whtther the 8ollcltor purport8 to act in hla own' name or lnt6remt or in 

thoae of hla principal or l dver tlmenor r , upon 

the motive or the compenaatlon or laok of motlve 

und oompsnmtlon upon the pert of tht sollcltor; 

but that it la lrufflolent ll' there be an lmportupity thut the henrtrm make ap llcatlor. or 

In &ice 

? 

to the lnaurer vhich lea 8 8 or 18 oelcu ate-3 and tenda to lead to the tranaactlun or 

oolloumatlon of lnaurance contracts. 
kio3orabl.e 0. P. Lockhart, page 4 

*Co~el for the atatlon above named l lro 

argues that if tha broadeartr arm in violation 

o f th l ta tutw above aited, they are eqmlly a 

violation vhethor the l dvertlremant ir for a lloenr.6 company or an unllcenred ccmpany; uhlch, 

of QO-a, ml&at be trw aaide froze the provlmiaru of penal Coda Article 570a; ahd they further 

argue that if it 18 a violation tor the radio etatiow to l dvertlae lmuranae, It is equally a 

violation for norapapora aad magaruar to run advertiamwntm for lnsuranoe coupanlea without being llaehaed am agents." 

Article 5055 of the havlwad Civil btatutmr, la8a 

follour I 

'It rhall not be lawful for any pcrmon to 

aat uithti thin ;tato, a8 agent or othervlrc, 

in rollolting or receirlng appllcatiohe for inl ur a na e o f a ny kind wh a teveror , in a ny ma nner 

to l ld Ln the tranaactlon of the bualnear of any 

l.nmuranw coupauy lnaorporatad in thlm State or 

out of it, vlthout flrrt proaurlng a certlflcate 

of authority from the Commlsaloner." 

Artlola 5as of cald atstutaa ;s In part am fo~lovs: 

'Any per-on who rollclta lhnurance on behalf 

of any lhaurahco aompahy, whether incorporated 

under the lam of thir or shy other Ltoto or rorl lgn government, or vho takes or trawrnltr other 

than for hluelf say application for lnauranc~ or 

a ny p o lic y 0S lnsur a na e to or frou l wh c o mp a ny, 

or uho l dvsrtlmra or othervlre Clvem notice that 

he vi11 recclre or transmit the same. cr vho rhall 

recelva or dellv*r a policy of iuurancc of any 

ruah company, or vho ahall exaniine or ;nrpact any 

rlmk, or receive, or collect, or trarueit any 

prstium or inmur~oe, or make or iorvard any dlagram of any brrlldihg or bulldlngs, or do or perform any other aot or thing in the making or ccneummatlng of any contract of imurence for or vlth 

any much lnnuranoa company other than for hlnaclf. 

or vho ahall sxomlne into, or &jtaet or ale In adjuetloL any locr for or on behalf of any euch ;uaurance ccryany, whether any of auci. nets chnll be 
fionorable 0. P. Lockhart, page 5 

done at the lnatanoe or request, or by th a l qloywnt of muah lnsuranae aompany, or of, or by any 

broker or other paraon, ah11 be held to be the 

agent of the coupany for vhloh the act la dune, or 

the rirk 18 taken, as far a8 relater to ull the 

llabll~tlrr, dutler, roqulreueatr and penaltlee 

ret forth in thla ohapter. . . .' 

hrtiolc 568 of thm Penal Code 18 a8 r0u0v8 t 

"Vhocver 8Ollolt8 inrUrMOC On behalf o? My 

L~~urance oom+rg, uhetir incorporated under the 

lau8 or t&l8 or any other Stats, or foreign &or0rnuent, or who take8 or truumlts other than for 

himself. any l pplicatlan ror ~numncc, or any 

policy of &xuurauce, to or from euuh company, or 

who advert1888 or otherulre givoe notice that ha 

will receive or tranault the same, or ahall receive 

or deliver a pollay of inrurance of any auoh aompany, or who #hall examine or inspect any rlmk, 

or reoslve or collect or transmit auy preuluu 0r 

l.wUrMOe, or m8ke or forurrd MY diagram of any 

building or do any other act in the makiw or conrummeting or any aontrect or lnauranoe for or with 

any rush ineuranae company other than for hlmselr, 

or uho da11 ezoIILIne 1nt.o. or adjust or ald in 

adjurtlng any 1088 ror or on behalf 0r any ruch 

lnauranae company, whether any of such eats ahall 

be done at the lrmtanae, or by the employment of 

8uoh inauranae oapl 

p”p’ 

or of or by any broker or 

other peraon, ahal ti held to be the agent of the 

ooupany for whloh the l ot ir dons or the rlmk 18 

taken, a8 far am rolatem to all the requiremanta 

Md penaltier herein 8et forth." 

Article 570 of raid code la (I8 follou8: 

or th$~e~&~one h"=i fg- t";e"y~ya:::,'If $@ $:' 

chapter ror any lneuranae company referred to in 

eald article vlthout ruoh company heving fLret 

oomplled vlth the requirements of the lawn of this 

State, ehall be fined not leer, than five hundred 

nor more than one thousand dollara." 
Honorable 0. P. Lockhart, page 6 

“?onalty ia wtlng w, or enplo~ing, life, 

health, or aaol&nt iP1uraz~~e agent ulthout lloonse 

*SM. 6. &y person who shall act am l life, 

health or 8aaidont lnmuranoe agent without having 

felt obtained l ILa enr e 118 horein provided, or 

rho *hall rollait life, health or aaolduit inrrpaaeo or 8at m l U.S., hulth tW l c a ldo nt agent 

vlthout ha boon l polnted 

P 

M d deal@IAtod by 

mo m0 duly l uth o r lr ul3 fe lnnur a noae o q a ny, aaa ident inrururae aoqmny, llre and acaldmt, health 

Ed l aaldent, or llre, heblth and aocldont iamrMoe sow, or a88oalatlon, or orgaaiwtlcu, 

loc&l rutwl aid l 8aoalatlon, or atatevide autwl 

m#CXlatlCUZ to do 80 am herein provided, or Uzy 

peram rho l u 8olioit life, health or accident 

l.wurana0 ar aat am 613 agent for ay person or ln8-O 0-r OF WSOCi~tiOLl no t l UthoZ%ti to 

do bualnoor la Tex8sj or any officer or repre8Mtatlve of any llh lMUrMO0 capoanJ, aaaident inSUmMe aoqMy, life and accident, health Md 

abeldent, or life, health and accident 1MUrMee 

company or w8oelation, Or organlratlon, 10001 

UUtWl l ld l 88OOiati~, 01: StateWide lUUtW1 aNSOclatlon mho #ha11 knovlngly contract vlth or appoint l 8 M QMt W 

E 

raon who does not hre a 

valid ti OUtStu came, 81 herein provided 

Sun be guilty of a rimdemeanor and, upon can*10- 

tlon, oh811 k flnod any aua not in exaeaa 0r Plre 

Eundrod Donarm (490) and ah11 be barred frau 

reaelvlag l llcen8e *a an lmuranae agent ror a 

period or at 1ewt tvo (2) years.” 

A8 ve undrratrnd the raOt8 Stated by you, vhether 

or not the radio rtatlom referred to by you ara violating 

the provlrlfana of the statutes above quoted depend8 upon vhethl r or no t 8dd StdiOM "801iCit* 1MUl'MCe on behalf Of SOme 

lnour8nco ocmpny, a8 Ye would have t0 aSSU!W r8otS not 8hOvn 

to exlat ln Order to bra #aid Station8 within any Of the 

other provlrlona of raid statute. 
Wnorable 0. P. ]ackhrrt, p08S 7 

Vebater'e Dlctlonery give8 the fcllo~l~ deflnltlone 

of the word “eoliclt”: 

'To make petition to; to entreat; ierportuJla; 

-9 to l oliolt the King Sor relief; nov, often, 

to qproaah vlth a rsqueet Or plea, am in eellhg, begging, eta.; am, to eollclt me’8 neighbon for contributione. 

“To endmror to obtain by e8U.q or pleading; 

to plead for1 am, to eolicft an oifios, a favor, 

ah; aleo, to meek eagerly cu? actively; to 

oourt. ’ 

In the came of Carter v. dtate, $3 3. U. 704, the 

Supreme Court of Xrkaneae WC dealing uith e cneu vhercln W.E. 

Carter vae convictad of eolioiting orders for the male of 

liquor in territory vCere the male thereof wae prohibited 

by lav. &J had lneerted in the liaehville Neve the folloving: 

“J.&l. Strmga, Ln Texarkirna, vi11 be glad 

to hors your order8 for Joel B. Frazier Yhiekey. 

l l l Pleame mend your order .to J. A. Ullson, 

of Texarkana, for Bonny Rye. * 

Thle peper vae plnted wlthic ten ml108 cf .e college, 

vlthin vhlah llalte the sale or ~lvlng eway of Intoxicating 

llquore vu prohibited. The law alleged to have been viclated by luvipg l uah nevepaper item Eubllehed ie am iollove: 

“It l hall be unlavful for eny pereon, rlrm, 

pemtnerehlp or corporation engaged in the male of 

alcohol or an eplrituoue, ardent, vinoue, malt 

or fermented I lquore vhere the mame may be lavful, 

to eollclt ordera, either by agent or othervlee, 

fsr the sale of alcohol or aw splr:tucue, erdert, 

vlJloue , melt or fermented liquors in any plaCe 

or placee In this L;tatc where the same A~ problbftod by lav.” 

In reverring the judgment of oonvlctlon in meld came, 

meld court made the follovlng toldiw: 

“The many uees of’ the term ‘advertlee,’ I& 

lta varioue formr, nayte found in the Century 
Eonarable 0. P. Laokhert, page 8 

mot1 

7’ 

from vhIoh thIe definition, the OM 

mo8t neor y naohlng to the fiata here, lo taken: 

'Tba rot or prutloe of hrlngln8 wything, em 

one*8 mata or ane*m budama, into public notioo, 08 by paid umoweemnt in perlodloal8, 

or by M bills, plaoodm, eta., aa to aeoum 

o ur tmr ba y l dv~tI8Ixl&' ëTo l ollolt' la thw 

6efInodr 'to irportuno, entreat, 

"& 

lore, eek, 

l ttarpt, try to obWn.1 Anbrmon'm v Dlotlon- 

-Y- boo, oleo, oontu?y DIO. '8olIoIt. ' lauo 

of tb worn oi this tom embroao a6rortl~lng, 

althou@ odtutlelng lr a uthod, In a broad 

eense, 0r rolloltlng the ublio to purohaee the 

Va r .8 l drertlaed. But md E o1tS.q la a vellknovn and doilnod aatlon, and adrertlelng la 

8n wuallr voll-knovu and defined aotlon, and 

they uo not IdentIo81. It 18 true that they 

uo Intended to reaoh the memo reeult, the 

male of varee, but dlfterent router are travelod In roouhing t&t on& One la leglrlnted 

ag8inrt, ad tha other 18 not. If the Loglslaturo intended to m&e 0rImInal the advertleemnt in prchlhited dlmtriot of liquor, it VouId 

&re maid so, an4 not left euoh an Important 

matter to be implied from the uee of a general 

term. It vould be a atreined and uunatural 

ume OS the term ~eollolt~ to Include in It adrortIomtr in nowpepora.' 

In the 0Ua Of Golden &XOmpUg v. Jbatlco'e Court 

or YOodlmxd T?., To10 County, et al., 140 Pm. Rep. 49, Die 

trlot Court oi Appoal8, CeliroraIa, the Court van dealing 

Vith 0 petltlon ior, 0 wit of pohibltlon to reatraln the 

proeeoutlau of the rwpondent under a oomplalnt ch8rging that 

he had eollalted the male of certain alochollc llquore tithin the l.ImItr of the City of Woodland, a municipal oorporatlon, by havlq mailed aortain letterm, price llete, and an 

o r der l hmet l t tha City of Ban Ranoleco, addreseed to a reaident of the City OS Uoodlad, the said clrcuhr letter, prioe 

list, and or&u rheot ocnetltutlng en l dvertleement of cmtaln l looholio llquorr offered for male b7 maid petitioner. 

In panning upon vhethor or not maid letter eollolted an order 

for vhlmkey, the court mmdo tha follwlng holding, vhloh la 

applicable heret 
5%) 

Bonorable 0. P. Loo-t, page 9 

'Oounael, hovvrvr, paroelre no dlfforenoe 

batwen um ut of l 0110itIng orduo by Buv8 or 

lattera av oIrou&m rontthrovghtb Uil to 

partioahv Imuvid8ml8 Iano-uwmmotarritor~ 

MdthosIroulAt:oo,Iaruoh torrIt~ofMvvp8pur, 

oaedoinlng~ othu~rel4tl3qto otbr wttora, 

8drertIamta utolllng the qu0lIt~ rpd 

8ha priooa of oortmixt brmndm of Uquo+. % 

IVing 

at t&r+ 

la on obvious diatinotion hatvoem the tro popaitiolu, ad it lI.a in tbo raot tht. la tha w 

use, tba minda of putiaulu pueau or0 dlreotly 

ad&eaood vp a n l sing le r ub jut, a a d th a ir l teatlat thum apeololly oallmd to tba l vbjemt-mtter 

ofthmlettmr or oirouUr,vhllm la tb othar no 

prrtloular poraon ir appealed to u 

ux 

ouy OM or 

tha vulow uttera vhIoh are uv y nrerrd to 

In or gIren publlolty through the &us of tha 

adrertlaIng bolumM Of l novapapor Of gvaeral 

0lroulat10n. 'solIclt,' l ooo.Fdlng to wobatu'a 

Dlotionuy, Is ‘to apply to for obtunlng l aythag; 

to l voko or exo uo to aat:on; to a r o uo 0 do a Ir 

In,í eta ., a nd it r y a p p ly to Woo vb uo 01 u oak8 

another for 0 bribe, or sa k e onotbor to umit 

bribary or la r a enmy a d othu offuuoa. Bluk *o 

Lav Dlot., p. UO5. It implies rronal potitlon 

8nd Imprtuulty 8ddreaeed to a prr =EiI% o lndividual to do l QY p a r t:a ulathing, r and it la tmqueetion8b~ in thin memo that the tom la wed 

In the statute. If our l tmtute against bribery 

in term, se In l ffeot it dooa, h o d b um b to 

say that 4 publio offloer vh o l o lIo I8o d 0 h r lb e 

for th a purorMu0 0 of mo ms 88% vltbin his offIoIal 

dutiea.,~ and tha offioer should, by kt8er, l ollolt 

the paymnt to him of a bribe, it Would not for l 

moment ba queatlonmd that euah l ot of tha offloer 

vould oonstitute a eoliolt8tlon of a bribe vlthln 

th0 ~808pipe 0r th8 18~. So it la mad muat be true 

here. A lotter or olroulm, euoh 08 tha on0 involved in thla CUO, addressed to l putlaulu 

pereon, a nd aph8aIaIng in a llur ing ter m th a 

l up a r lqor ua lit0r y o er ta 0~ln 81 08, g iving 

tb prloee l tvhlohtheyary be pumhaaed,U 

vlgorouely impor tunfxtq h a l ddreeaoo to b and 

we the am, oan he no leer a permona so "I loltatlon, for ordere for euoh ooamoditl lbux vould 

be the n olloltatIau of a bribe t&roe& the 

modfum of a letter, or, Lndeed, than vovld be 

the aaee of like l olIoltatIun proneouted in -non 
nonor8ble 0. P. Lookhrrt, pqo 10 

JWBtdb 

ATTORNEY GXZ?ERAL. 01 TEXAS