Final answer:
The Department of Insurance's letter mailing to a licensee is considered complete when it is deposited with proper postage in the postal system to the licensee's official address of record, as per the mailbox rule.
Step-by-step explanation:
When the Department of Insurance (DOI) mails a letter to the licensee’s address of record, the mailing is generally considered complete when it is deposited in the postal system with the correct postage and addressed to the licensee's address of record. Jurisdictions may vary in specifics, but typically, the legal doctrine of the mailbox rule applies. This rule states that communication (in this case, the letter) is considered delivered when it is surrendered to the postal service. This does not necessarily align with actual delivery or receipt by the licensee but may already bind the licensee to the contents of the mailed document.