Final answer:
In North Carolina, the insurance Commissioner can issue a temporary license to insurance agents, insurance brokers, and insurance adjusters; hence, the answer is '4) All of the above.' The regulation aims to keep insurance accessible and affordable, guided by state authorities and collective strategies among states.
Step-by-step explanation:
According to North Carolina insurance law, the Commissioner is authorized to issue a temporary license to various individuals involved in the insurance industry. Specifically, this includes insurance agents, insurance brokers, and insurance adjusters. Therefore, the correct answer to which individuals may receive a temporary license from the Commissioner is 4) All of the above.
These temporary licenses allow for continuity of service and operations in the insurance industry, especially during unforeseen circumstances or when there is a need to fill a vacancy quickly. State regulation, guided by the National Association of Insurance Commissioners, aims to provide a stable insurance market while also ensuring that consumers have access to insurance coverage. While state insurance regulators strive to keep insurance affordable and widely available, these objectives can sometimes be at odds or influence state politics.