What is the term used for a licensee who has not been appointed by any insurer?

The term that describes a licensee who has not been appointed by any insurer is "inactive." An inactive license indicates that the individual holds a valid insurance license but does not have an active agreement or appointment with an insurance company to sell or produce insurance policies. This status often arises when a licensee has not completed the necessary steps to link themselves with an insurer or has chosen not to engage in active insurance selling.

In contrast, "expired" refers to a license that is no longer valid because it has not been renewed before its expiration date. "Pending" would imply that the license is awaiting approval or final processing, while "revoked" indicates that a previously held license has been officially taken away due to various reasons, such as misconduct or failure to comply with regulations. Understanding these distinctions allows individuals in the industry to grasp the different statuses of licenses and their implications.