State RegulationsFL specificDifficulty 3/5
A Tampa agent holds a valid life and health license but no appointment from Insurer X, which asks the agent to submit a new application on its behalf. What must happen first?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Chapter 626, Florida Statutes, a Florida license authorizes the person to transact insurance generally, but an agent may transact for a specific insurer only after being appointed by that insurer. The appointment is what authorizes the agent to act as Insurer X's representative, so it must come first.
Why the other options are wrong
- A) The license qualifies the person, but representation of a particular insurer requires that insurer's appointment.
- B) The applicant's signature evidences the client's intent; it creates no agency relationship with the insurer.
- C) Appointments come from insurers, not automatically from DFS upon licensure.
Memory hook
No appointment, no business for that insurer.