What type of policies can a counselor examine for a fee or commission?

A counselor has the authority to examine any life, accident, or health insurance policies for a fee or commission because these are all categories under which insurance products typically fall. Each of these types of insurance has its own regulatory framework and characteristics, but counselors are trained to provide insights and evaluations across these products.

Life insurance provides financial security to beneficiaries upon the insured's death, while accident and health insurance covers unexpected medical expenses and lost income due to health-related issues. Therefore, the ability to review all three types of policies allows a counselor to offer comprehensive advice tailored to the needs of their clients. This broad scope is essential for accurately assessing the coverage and benefits available and subsequently advising clients on their insurance options.

In contrast, the other options are limited in scope, focusing on only one or two categories of insurance, or incorrectly suggesting restrictions that do not align with the typical roles of a counselor in the insurance industry.