A Rochester insurer signs an agency contract with a newly licensed New York life agent. Under N.Y. Ins. Law §2112(b), the insurer must file the notice of appointment with the Superintendent of Financial Services:

Why B is correct

Under N.Y. Ins. Law §2112(b), the notice of appointment must be filed with the Superintendent of Financial Services within 15 days of the insurer executing the agency contract or first submitting business for the insurer. Until the appointment is on file, the agent has no official tie to that insurer.

Why the other options are wrong

• A) 10 days matches other insurance timelines, such as the Reg 60 replacement-disclosure mailing to the replaced insurer, but it is not the appointment window.
• C) 30 days is the window for reporting a for-cause agent termination to the Superintendent under N.Y. Ins. Law §2112(d).
• D) 60 days is the renewal-application benchmark under N.Y. Ins. Law §2103(j)(10), not the appointment window.

Memory hook

Appointment notice: 15 days from contract or first business; the 30-day figure belongs to termination reports.

Why A is correct

Under N.Y. Ins. Law §2112(b), the insurer must file the notice of appointment with the Superintendent of Financial Services within 15 days after the agency contract is executed or the first insurance business is submitted for the insurer. Timely filing keeps the Department of Financial Services' records accurate as to which insurers each licensee is authorized to represent.

Why the other options are wrong

• B) 30 days is the deadline for an insurer to report a for-cause agent termination to the Superintendent, not for filing a new appointment notice.
• C) 45 days belongs to other contexts, such as certain group conversion extension windows, not to appointment filings.
• D) 60 days is the period allowed to apply for conversion of group health coverage, far longer than the appointment filing allows.

Memory hook

Appoint within 15 days — half of the 30-day termination-report deadline.