Which of the following is acceptable for a title agent to do when handling title insurance policies?

When a title agent handles title insurance policies, it is crucial that they operate within the framework of the insurer's guidelines. Issuing policies only as permitted by the insurer's guidelines ensures compliance with both legal and regulatory requirements. This adherence to guidelines protects the interests of all parties involved, including the insured, and helps maintain the integrity of the title insurance process.

By following the insurer's established protocols, the title agent guarantees that the policies issued are in line with the underwriting standards set by the insurer. This oversight is not just a matter of operational practice; it is vital for managing risk and ensuring that the policies cover the necessary aspects of title insurance while safeguarding against potential claims.

In contrast, the other options present practices that could lead to noncompliance with regulatory standards and industry norms. For instance, issuing policies without oversight could result in significant errors or omissions, while creating proprietary agreements or underwriting guidelines independent of the insurer could conflict with established practices and jeopardize coverage. Thus, adhering to the insurer's guidelines is fundamental for a title agent’s role.