Which of the following best describes the function of a direct writer?

The correct choice describes the function of a direct writer as selling insurance policies directly for one insurer. This means that direct writers are typically employed by a specific insurance company, and they focus on offering that company's products directly to consumers, without the need for independent agents or brokers. By operating in this way, direct writers streamline the sales process, ensuring that customers receive quotes, information, and policy options straight from the source.

This model allows the insurer to have greater control over the distribution of their products and often results in lower prices for consumers since there are no commissions paid to independent agents. The direct writing model can enhance customer service as well, since customers are often dealing with representatives who are well-trained in the specific offerings of that insurer.