A licensed life agent may do which of the following on behalf of a life insurer for which they are not specifically appointed?

The correct answer highlights the scope of activities a licensed life agent can perform without needing a specific appointment from the insurance company. Presenting a proposal for insurance to a prospective policyholder is an essential part of an agent’s role. Agents are trained to discuss various insurance products and explain the features and benefits of policies, which helps potential clients understand their options. This activity does not require a formal appointment with the insurer, as it is considered an integral part of the initial sales process.

On the other hand, signing contracts on behalf of the insurer, collecting premiums, and overriding underwriting decisions typically involve more authority and responsibility that would necessitate formal appointment protocols and oversight from the insurer. These actions could impose legal and financial implications on both the agent and insurer, making it crucial that such activities are performed only by those properly appointed.