Which of the following acts is an agent NOT authorized to do on behalf of an insurer?

An agent is not typically authorized to authorize claim payments on behalf of an insurer because this authority is usually reserved for the insurer itself or designated claims adjusters. Authorizing claim payments involves a significant level of decision-making and risk assessment that insurers prefer to retain within their own operational structure. This is to ensure consistency in how claims are evaluated and paid, as well as to maintain compliance with internal policies and state laws governing claims handling.

In contrast, collecting premiums from policyholders, providing policy information to clients, and submitting claims on behalf of clients are generally accepted tasks for an insurance agent. Agents can act as intermediaries, facilitating communications between the insurer and policyholders and handling various administrative tasks. This operational role enhances customer service while ensuring that the insurer's procedures are followed correctly.