Carrier appointment is the formal authorization granted by an insurance company that allows a producer or agency to solicit, submit, and service applications for that carrierTMs products in specific states. Appointments require licensing verification, background checks, AML certification, and completion of carrier agreements that outline compensation, compliance obligations, and termination terms. Some states require a producer to be appointed with a carrier before submitting business, while others allow appointment at first sale. Without a valid appointment, commissions cannot be paid and policies may not be issued under that producerTMs name.

BGAs and back-office teams manage carrier appointments by submitting appointment requests when advisors want access to new carriers or product lines. They track which states and carriers each producer is appointed with and anticipate appointment needs before large cases are submitted. Carriers may require additional product-specific certification, such as annuity training, before finalizing appointments. Advisors who understand carrier appointment processes can avoid surprises by confirming their status before presenting illustrations and applications. Keeping appointments current ensures smooth new-business processing and timely commission payments.