When can an insurer accept applications from a producer not associated with them?

The correct answer is that an insurer can accept applications from a producer not associated with them if the insurer has appointed the producer and updated the register within 30 days. This is significant because the appointment of a producer is a formal process that signifies the insurer's recognition of that producer to act on their behalf. Updating the register ensures that all parties are aware of which producers are authorized to solicit and take applications for the insurer.

This system of appointment and registration offers protection to both consumers and the insurer by ensuring that only qualified, officially recognized individuals can sell insurance products on behalf of the company, thereby maintaining standards of professionalism and compliance with regulatory requirements.