Which policy type does not require appointments for agents to submit applications?

The correct answer is that the occupational policy does not require appointments for agents to submit applications. This distinction arises from the regulatory framework set up for different types of insurance policies. Occupational policies often focus on providing coverage for specific risks related to a person's employment, and their nature allows for more flexibility regarding agent appointments.

In general, many types of insurance policies, particularly those covering personal loss or health, require agents to have formal appointments with the insurance company to ensure they meet certain regulatory and ethical standards. This is to protect consumers and maintain accountability in how policies are sold and managed. However, occupational policies can sometimes operate under different guidelines that do not necessitate these formal appointments, allowing agents more latitude in selling them without needing prior approval from the insurers.

This understanding emphasizes the distinct regulatory nature of occupational coverage compared to other insurance types like workers' compensation or key person policies, which usually necessitate formal appointments due to the specific regulations that govern those areas.