As someone in the industry but not in the US, I'd say this is a case where your ignorance (and you are clearly ignorant here) is more of a hindrance than a benefit.

Providing insurance advice is the same as financial planning, mortgages, investments and any of a number of professions that are all licenced by the state. The reason for these licences is because not having them creates a wealth of misinformation that can (and historically has) resulted in massive amount of fraud and theft from consumers, because - like you - they generally aren't knowledgeable enough to be able to discern a difference of professional opinion from someone selling snake oil.

A licence is a minimum requirement to show to everyone that you have grasped the basic concepts and rules surrounding the product you are advising others on. It does some other things as well, like ensure you have proper E&O insurance and stay up to date with changing legislation, but that isn't its primary purpose.

Licencing is a form of consumer protection. End of story. Arguing that it isn't necessary and/or consumers in these industries don't need protection to counter their ignorance (which is the entire reason they are buying advice in the first place) is naive almost to the point of being moronic.