Question 1 of 12
Explain the difference between a Michigan producer license and an insurer appointment. What must happen before a licensed producer may represent a particular insurer?
Strong Interview Answer
The producer license authorizes the person to engage in licensed insurance activity. A separate insurer appointment creates the agency relationship with that insurer. Lena therefore must be appointed by North Star before representing North Star as its agent.
What to Listen For
- license versus appointment
- specific insurer appointment
- agency relationship
- scope of authority
Caution
Look for rule application and the decisive distinction; do not accept a response that merely repeats the question or names the product.