Who is a managing general agent (MGA).

A managing general agent is a person or entity that performs significant underwriting, policy issuance, or claims authority on behalf of an insurer.

MGAs act as an extension of the insurer, not the insured.

Licensing requirement in Maryland.

Maryland law requires MGAs to be properly licensed.

Acting as an MGA without a license is unlawful.

Contractual requirement.

Maryland requires a written agreement between the MGA and the insurer that clearly defines authority, duties, and limitations.

License renewal.

MGA licenses follow Maryland’s standard biennial renewal cycle, consistent with producer licensing.

Why option D is incorrect.

MGAs primarily represent the insurer, not the insured.

Representing the insured is the role of an agent or broker, not an MGA.

Conclusion.

The incorrect statement is that an MGA represents the insured.