Vincent is a specialized wholesale producer who had been vested with underwriting authority by an insurer.Vincent helps to write professional liability insurance,surplus lines,and some personal lines in a sparsely populated area in his territory.Vincent is a(n)

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Vincent's role as a wholesale producer with underwriting authority and specialization in certain lines of insurance make him a managing general agent (MGA). The fact that he writes surplus lines and has underwriting authority also supports this classification. He is not an independent agent because he has underwriting authority, and he is not an exclusive agent because he is not affiliated with a single insurer. He is also not a direct writer because he is not selling insurance directly to the public.

Vincent Is a Specialized Wholesale Producer Who Had Been Vested