An employee of an insurance company who completes a proposal form on behalf of an intending insured is acting as:

Question

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An employee of an insurance company who completes a proposal form on behalf of an intending insured is acting as the agent of the insurer. This is because the employee is completing the form on behalf of the insurance company that will ultimately underwrite the policy. The employee is not an independent agent, the agent of the insured, or a principal in their own right.

An Employee of an Insurance Company Who Completes a Proposal