Who is an independent agent with the authority to appoint soliciting agents and fix their compensation?

An independent agent who has the authority to appoint soliciting agents and determine their compensation is classified as a general agent. General agents typically operate under a broader scope of authority than regular agents, allowing them to recruit and manage a team of sub-agents or solicitors, as well as oversee their activities. This includes the critical responsibility of fixing compensation, which is essential for aligning the interests of soliciting agents with the goals of the agency or company they represent.

In contrast, the other options do not fit this definition. Fraternal benefit insurers are specialized organizations that provide insurance to members of a specific group, government insurers are state-sponsored entities that offer insurance policies, and franchise insurers focus on specific business models rather than the general management and appointment of agents. Therefore, the role of a general agent encompasses the necessary powers and responsibilities highlighted in the question, making it the correct answer.