What is the implied authority of an insurance agent?

An insurance agent is called the First Underwriter,as they are the first persons who intereact with the prospects, examine their financial standings,past medical histories,family backgrounds,which are considered very important aspect. Those club member agents are authorised to take delivery policy bonds and other important documents from the insurance cos on behalf of the policy holders. They are also authorised to attest signatures of policy holders in various documents, acceptable to the insurance co.