In insurance policies written in Idaho, agents must have their licenses confirmed by counter-signature, which can also be delegated to individuals who are at least how old?

In Idaho, the law stipulates that individuals who are authorized to provide counter-signatures for insurance policies must be at least 21 years old. This requirement is in place to ensure that those involved in the insurance process possess a certain level of maturity and responsibility, which is essential given the nature of insurance transactions and the legal implications they carry. By setting the minimum age at 21, the state aims to establish a standard that reflects professionalism and accountability within the insurance industry. This is particularly important because counter-signatures serve as a verification of the agent's authority to bind coverage on behalf of the insurance company, and any mistakes or fraudulent activities can have significant consequences for both the insurer and the insured.