Producer is the insurance industry term for a licensed individual or entity that sells, solicits, or negotiates insurance products such as life insurance, annuities, and disability coverage. Producers may be agents, brokers, or registered representatives and can operate as independent advisors, captive agents, or employees of financial institutions. They are responsible for understanding client needs, recommending suitable products, explaining features and risks, and facilitating the application and delivery process. Producers must hold appropriate licenses, appointments with carriers, and in many cases securities registrations, and they are subject to regulatory standards including suitability and best interest obligations.

In daily operations at wholesalers and agencies, the term producer is used to describe the primary client-facing advisor or salesperson. Carrier compensation grids, marketing programs, and reporting systems are all structured around producer codes and production credits. Training sessions, compliance communications, and product updates are targeted to producers to help them stay informed and effective. Internally, agencies may categorize producers by production tier, specialization, or preferred carriers. Understanding the producer's central role in the distribution chain helps service teams, underwriters, and carrier partners support them with tools, case design help, and efficient back-office processes.