Which of the following is a specific service for which an insurance producer is NOT allowed to charge a fee to the applicant or policyholder?

The choice regarding qualified retirement plan design for which the producer receives a commission from the insurer is correct because insurance producers are typically prohibited from charging a fee for services that are compensated through commissions by the insurer. This means that since the insurance producer is already receiving a commission, adding a fee on top of that for similar services would create a conflict of interest and violate regulations.

In contrast, the other listed services may be subject to different rules. Consultation on a qualified retirement plan, for instance, may involve specific advisory services that could warrant a separate fee. Similarly, insurance policy appraisal and risk assessment for insurance needs are typically seen as advisory services where producers can charge fees due to the specialized nature of the service provided and the absence of commissions. This distinction emphasizes the regulatory framework designed to prevent double compensation for the same service.