The insurer must file a notice of appointment within how many days of the agency contract date or first insurance application?

The correct choice is based on the regulations that stipulate the timeline for insurers regarding the appointment of agents. The insurer is required to file a notice of appointment within 15 days from the date of the agency contract or the first insurance application. This requirement ensures that there is a formal and timely process in place for recognizing an agent's authority to represent the insurer. It helps maintain transparency and accountability within the insurance industry, allowing regulatory bodies to keep track of active agents and protect consumers by ensuring that agents are properly authorized.

The other options, while related to timeframes, do not align with the specific requirement set forth in Tennessee insurance law. Therefore, 15 days stands as the established standard that promotes good practices in the management of agency relationships.