What must an insurance producer have to act as a representative of an insurer?

To act as a representative of an insurer, an insurance producer must be appointed by that insurer. This appointment is a formal designation that allows the producer to sell and service the insurer's products. The appointment signifies a contractual relationship where the insurer grants the producer authority to represent them in the sale of insurance policies. This requirement ensures that the insurer can maintain oversight over who is selling their products and can enforce standards for conduct and service.

Having an appointment is essential for compliance with state regulations and helps protect consumers by ensuring that only authorized individuals represent the insurer. While being licensed is necessary for all producers and experience or training may enhance competency, the key requirement that establishes the legal relationship between the insurer and the producer is the appointment by the insurer.