An insurer appoints a North Carolina producer who immediately begins taking accident and health applications. Within how many days after the first insurance application is submitted must the insurer file the notice of appointment?

Why C is correct

Under G.S. 58-33-40(b), the insurer must file a notice of appointment within 15 days after the date the first insurance application is submitted by the producer. The appointment then continues as long as both the producer and the insurer remain licensed, either party may cancel it, and renewal appointment fees must be remitted before April 1 each year.

Why the other options are wrong

• A) 30 days is the insurer's deadline for notifying the Commissioner of a producer termination under G.S. 58-33-56, not the appointment filing deadline.
• B) 10 days is the standard free-look period figure; it has no role in appointment filing.
• D) 45 days appears in the pre-forfeiture notice rules and is not the appointment window.

Memory hook

First application filed, then fifteen days to file the appointment.

Why B is correct

Under G.S. 58-33-40(b), the insurer must file the notice of appointment within 15 days after the date the first insurance application is submitted by the producer. The appointment then continues as long as both the producer and the insurer remain licensed, unless either party cancels it.

Why the other options are wrong

• A) Ten days understates the statutory window.
• C) Thirty days is the termination-notice deadline under G.S. 58-33-56, not the appointment-filing deadline.
• D) Forty-five days is the outer premium-notice mailing limit under G.S. 58-58-120, not an appointment deadline.

Memory hook

First application filed, fifteen days to appoint.