What is an agent's responsibility regarding applications from eligible risks in North Carolina?

The responsibility of an agent regarding applications from eligible risks in North Carolina is centered around the principle of fair treatment and the requirement to consider all eligible risks. When an application is from an eligible risk, the agent must not refuse to accept it. This ensures compliance with regulations that promote access to insurance and protect consumers from discrimination based on factors that would qualify them as eligible.

By accepting applications from all eligible risks, agents uphold their obligation to support the insurance marketplace and ensure that individuals have the opportunity to obtain coverage. This is particularly relevant in a regulatory environment that ensures equitable treatment of applicants, allowing for a broader range of individuals to access necessary insurance products.

In contrast, the other options reflect practices that go against the foundational principles of insurability and consumer rights. Accepting only preferred customers creates a barrier for others who are eligible and may need coverage. Refusing to bind coverage without just cause or automatically rejecting high-risk applicants disregards the agent's duty to evaluate each risk based on its merits rather than preconceived classifications, which can lead to unfair treatment of consumers.