An insurance producer is a term that can refer to either an insurance agent or an insurance broker who is licensed to sell insurance policies to clients. The term "producer" is often used in the insurance industry as a general term to describe a licensed individual who sells insurance products to clients. 

‍

An insurance producer can work for an insurance company as an agent, selling insurance policies on behalf of the company, or work independently as a broker, representing clients in their search for the best insurance policies to meet their needs.

‍

Like insurance agents and brokers, insurance producers are licensed by the state or states in which they work and must complete continuing education to maintain their licenses. They are required to adhere to strict ethical and professional standards, and must disclose any conflicts of interest that may arise from representing multiple insurance carriers or clients.

‍

The term "insurance producer" may also be used more broadly to describe individuals or entities involved in the production of insurance policies, including underwriters, actuaries, and other professionals involved in the insurance industry. However, in most cases, the term refers specifically to licensed insurance agents or brokers.