Who typically initiates the initial premium for an accident and health policy?

• A. The insured directly to the insurer
• B. The employer must pay
• C. The agent obtains and forwards to the insurer
• D. The insurer accepts payment monthly

Answer: (C)

When a policy is sold through a licensed producer, the payment flow begins with the agent who writes the policy. The initial premium is typically collected by the agent at the time of application or enrollment and then forwarded to the insurer. This arrangement provides a clear receipt chain and ensures the insurer has funds to issue and bind the policy.

The other scenarios exist in specific contexts: an employer paying is common for group plans, and direct billing or monthly payments can occur in certain direct-to-consumer or online setups. But for a standard accident and health policy sold through an agent, the agent obtaining and forwarding the initial premium is the typical practice.