Discuss (a) apparent authority

The intermediaries' trio (the exam's catalogue): The agent (the insurance agent): the insurer's representative — the solicitation-and-sale's face (the prospect's approach, the proposal's completion assistance, the policy's delivery, the premium's collection); the agent's type: the exclusive agent (the one-insurer's tie) vs the independent face; the agent's world: the bancassurance's era (the bank-as-agent — the distribution's modern face); the micro-insurance agents (the inclusive faces); The surveyor (the loss surveyor): the claims' technical expert — the loss's assessment (the damage's quantification; the cause's investigation — the proximate-cause's finding; the claim's verification): the non-life claims' machinery's key; the surveyor's report's weight (the court's- and-regulator's reliance); the surveyor-loss- assessor's licensing (the regulator's certification); The broker (the insurance broker): the INSURED's representative — the client's agent (the market's searching: the best-cover's procurement; the risk's placement — the large-and- commercial risks' face); the broker's remuneration (the commission's structure — the insurer- paid-despite-client-agent paradox); the broker's professional duties (the advice's quality; the disclosure's duty — the client's interest paramount); the broker vs the agent's classic distinction (whose agent? — the exam's staple). The intermediaries' economics: the commission's structure (the premium's percentage — the incentive's debates); the fee-based faces (the broker's professional-fee alternative); the digital-disintermediation question (the direct-and-online sales — the intermediary's future debate).