Which of the following is NOT a type of insurance agent?

The option selected identifies "reinsurance agent" as not being a type of insurance agent in the same sense as the others listed. Independent agents, captive agents, and direct writers operate in primary insurance markets.

Independent agents represent multiple insurance companies, allowing them to offer a variety of policies to clients. Captive agents, on the other hand, work for a single insurance company and sell only its products. Direct writers bypass agents entirely, selling policies directly to consumers, often through company websites or phone representatives.

In contrast, a reinsurance agent typically facilitates the process of reinsurance, which is insurance purchased by insurance companies to manage their risk rather than selling policies to consumers directly. They serve a different role in the insurance industry that does not align with the traditional definitions of the agent types listed in the other options.