Which term best describes a person who represents an insurer and sells its policies?

• A. agent
• B. producer
• C. broker
• D. underwriter

Answer: (B)

In insurance terminology, a producer is the licensed individual who sells insurance. The term covers anyone who solicits, negotiates, or sells policies for an insurer, including those who operate as agents or brokers. An agent represents the insurer and can issue policies on its behalf, while a broker represents the insured and places coverage with insurers. An underwriter, on the other hand, evaluates risk and determines policy terms rather than selling.

Since the description asks for someone who represents an insurer and sells its policies, the broad category of producer best fits, because it encompasses both agents and brokers who are involved in selling insurance on behalf of insurers.