What do we call someone who is appointed by an insurer to engage in insurance transactions?

The term that refers to someone appointed by an insurer to engage in insurance transactions is "agent." An agent acts on behalf of the insurance company to facilitate the sale of insurance products to clients, ensuring that the clients' needs are matched with the appropriate policies. This relationship is characterized by the agent's authority to bind the insurer to a contract and help customers understand the options available to them.

In contrast, a broker represents the client rather than the insurer and typically works to find the best coverage from various insurers on behalf of the client. A producer is a broader term that can refer to either an agent or a broker but is often used to describe individuals who generate insurance sales. An adjuster, on the other hand, is responsible for investigating and settling insurance claims and does not engage in the selling of insurance products. This distinction clarifies why "agent" is the most appropriate answer in this context.