If an agent receives a premium check made out to themselves, what should they do?

When an agent receives a premium check made out to themselves, the correct course of action is to return the check and request a new one made out to the insurance company. This is essential because premium payments must go directly to the insurance company to ensure proper accounting and the validity of the insurance coverage. Accepting the check personally could lead to ethical violations, mismanagement of funds, or potential legal issues, as it disrupts the intended payment process. By ensuring that the premium is paid directly to the insurance company, the agent helps maintain compliance with industry regulations and protects the interests of the policyholder.

Other choices may involve improper handling of the premium payment that could create confusion, liability, or ethical concerns in the agent's professional practice.