General Insurance PrinciplesQuestion 611 of 716
In the legal relationship of agency, the insurance producer normally represents:
a.The applicant seeking coverage
b.The named beneficiary
c.The state insurance department
d.The insurer
Explanation
A producer is an agent of the insurer and acts on its behalf, which is why the insurer is bound by the producer's authorized acts. The producer does not legally represent the applicant, the state, or the beneficiary.
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Related questions on this topic
- Describing insurance as an aleatory contract means that:
- Insurance is called a unilateral contract because:
- Insurance is a conditional contract, meaning that:
- Apparent authority is the authority an agent appears to have because:
- Implied authority of a producer is:
- A producer's duty to recommend coverage that genuinely fits the client's needs and financial circumstances is the principle of:
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)