State RegulationsMI specificDifficulty 2/5
A producer in Kalamazoo signs an agency contract with an insurer and begins submitting life applications. Who is responsible for filing the notice of appointment, and when?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under M.C.L. 500.1208a(2), the duty to file the notice of appointment rests with the appointing insurer, within 15 days of executing the agency contract or of the first insurance application being submitted, whichever applies. The producer cannot self-file, and the director's role under M.C.L. 500.1208a(3) is verification within 30 days, not initiation.
Why the other options are wrong
- A) The producer has no filing duty, and 30 days is the director's verification window, not a producer deadline.
- B) DIFS verifies appointments after filing; it does not initiate them on its own motion.
- D) A general agent is not the statutory filer, and 90 days has no basis in the appointment-filing framework of M.C.L. 500.1208a.
Memory hook
The carrier files, the producer can't: insurer files in 15 days, DIFS verifies in 30.