State RegulationsTX specificDifficulty 2/5
A newly licensed Texas agent has passed the examination and holds an active license, but no insurer has appointed her. Under TIC 4001.201-.206, what is her status?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
TIC 4001.201-.206 treat the license and the appointment as two separate requirements: the license establishes that the individual is qualified, and the appointment by an authorized insurer gives that individual authority to represent that company, with the insurer filing the appointment with TDI on the day solicitation begins. Because an unappointed agent has no authority to act for any insurer, she must obtain and have filed at least one appointment before she solicits business.
Why the other options are wrong
- A) There is no automatic 90-day temporary appointment attached to a newly issued license.
- B) Authority comes from an appointment filed by an insurer, not from whoever paid an examination fee.
- C) The license alone does not authorize solicitation; an appointment by an insurer is also required.
Memory hook
The license makes you qualified; the appointment makes you authorized, and you need both.