Life & Health · Chapter 1 · Industry Basics
Broker
Definition
Represents the insured (client), NOT the insurer — and cannot bind coverage.
Exam tip
Agent binds, broker doesn't. Classic exam pairing. ⚠️ Florida caveat: Florida does not license "brokers." F.S. 626.015 knows only agents (general lines, life, health, title) and customer representatives — on Florida-law questions, think agent.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms