State RegulationsFL specificDifficulty 2/5
A Florida agent holds an active life license but wants to begin selling for an insurer she has never represented. What must occur before she solicits for that insurer?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Chapter 626, Florida Statutes, an agent's license alone does not authorize representing a particular insurer; the insurer must appoint the agent before she may solicit or transact insurance for it. The DFS tracks appointments as the proof of the agency relationship, and soliciting for an insurer without its appointment is unlicensed activity for that insurer.
Why the other options are wrong
- A) The license is only the entry credential; representation of each insurer requires its appointment.
- B) One license covers the line of authority; separate appointments, not separate licenses, connect her to each insurer.
- C) Product-line approval is the OIR's form-review function, not a precondition for the agent's solicitation.
Memory hook
License lets you in; the appointment lets you sell for that company.