What must every insurance producer be appointed by?

Every insurance producer must be appointed by at least one insurer to legally represent that insurer in selling and servicing its insurance policies. This appointment is essential because it establishes the producer as an authorized agent of the insurer, granting them the ability to engage with potential clients on behalf of the insurer.

The appointment ensures that the producer is recognized by the insurance company they represent, enabling them to access the products of that insurer and complete necessary functions such as submitting applications and handling claims. Additionally, the insurer often conducts training and oversight of its appointed producers to ensure compliance with regulations and company policies.

The other choices do not fulfill the legal requirement for an insurance producer's authority. A regulatory board does not appoint producers, insurance policyholders are customers rather than appointing authorities, and an insurance consultant does not have the authority to appoint or legally represent an insurer.