Final answer:
A prohibited person requires written consent from the Commissioner to sell insurance in Massachusetts. This is due to regulations that manage risk in the insurance industry, including adverse selection prevention by making insurance purchases mandatory for certain areas, like auto and homeowners insurance.
Step-by-step explanation:
In order for a prohibited person to sell insurance in Massachusetts, they must have written consent from the Commissioner. This legal requirement is related to government laws and regulations that influence the insurance industry, as insurance companies often face government intervention like mandatory insurance purchases to ensure market stability and prevent situations such as adverse selection, where only high-risk individuals seek to buy insurance. When everyone is required to purchase insurance, companies can price based on market averages, but they are not compelled to sell to high-risk individuals without taking proper measures to manage their risk.