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De Castro, J. Facts
Petitioner Aisporna was charged of violation of Section 189 of the Insurance Act for allegedly acting as an insurance agent in behalf of Perla Compania de Seguros without procuring the necessary certificate of authority from the Insurance Commission. She claimed that she only helped her husband, Rodolfo Aisporna, a clerk and licensed agent of Perla, in renewing the insurance policy of one Eugenio Isidro, when Rodolfo was absent. The trial court and the CA found the petitioner guilty of the charge. Hence this recourse. Issue
Whether or not petitioner was to be considered an insurance agent and hence violated the Insurance Act Held
NO. Upon closer inspection of Section 189 of the Insurance Act, the Court ruled that for a person to be considered an insurance agent, he must act as such with the necessary certificate of authority and for compensation. The element of compensation was not proved in this case, hence the petitioner was acquitted by the Court from the charge against her.