A customer representative must be licensed and appointed by whom?

The requirement for a customer representative to be licensed and appointed primarily pertains to the insurance company. The insurance company is responsible for overseeing the agent's performance and ensuring that they adhere to industry regulations and standards. This entails that the representative is duly trained, knowledgeable about the products they are offering, and is officially recognized to operate under the company's authority. The appointment process typically involves a formal agreement that allows the representative to sell or provide services related to the company's insurance products.

In this context, while a general lines agent may have a role in mentoring or providing oversight to less experienced representatives, they do not have the authority to license or formally appoint a customer representative. Regulatory bodies indeed set the standards and regulations that govern licensing, but the actual appointment comes from the insurance company that the representative will work for. An attorney’s involvement would not apply in the licensing process of insurance representatives.