Who is referred to as the primary insurer?

The primary insurer is defined as the company that directly issues an insurance policy to an individual or entity seeking coverage. This organization takes on the primary responsibility of underwriting the risk and providing the agreed-upon benefits specified in the insurance contract. The primary insurer is the first party in the insurance transaction and is obligated to pay claims directly to the policyholders within the terms of the policy.

In this context, the other choices represent different roles within the insurance industry. The entity that provides reinsurance services acts as a secondary insurer, supporting the primary insurer by taking on some of the risks. The independent agent managing claims serves as an intermediary who facilitates the claims process but does not issue policies. The individual applying for insurance coverage is the insured rather than the insurer itself. Thus, the company that wrote the policy for the insured stands out as the primary insurer, as it is the entity responsible for delivering the insurance coverage.