An agent or broker may charge an extra fee for services above and beyond normal duties. Which of the following is NOT considered an extra service?

The reason application paperwork is not considered an extra service is that it is typically regarded as a standard duty expected of agents and brokers as part of their regular responsibilities. When a client applies for insurance, completing application paperwork is an essential step in facilitating the coverage and is thus included in the normal services provided by the agent or broker.

On the other hand, services that may incur an additional fee, such as those performed as a convenience that results in extra expenses, additional activities that go beyond what is typically required, or conducting further research to meet a client's specific needs, fall outside the usual scope of duties. These tasks require more time, effort, or resources than the standard agent or broker services, justifying the imposition of an extra charge. Thus, they are considered extra services, while application paperwork remains an inherent part of the role.