Who is considered a consultant in the context of insurance?

In the context of insurance, a consultant is someone who provides advisory services regarding insurance benefits. This role typically involves analyzing clients' needs and helping them understand their insurance options, recommending the best coverage for their specific situations. Consultants often possess specialized knowledge and experience in various insurance products and can guide individuals or businesses in making informed decisions about their insurance policies.

The other roles mentioned do not align with the functions of a consultant. Underwriters focus on evaluating risks and determining policy terms, while producers primarily engage in the sales of insurance policies. Companies that handle claims are involved in processing and managing claims rather than providing advisory services about insurance benefits. Thus, the correct answer clearly defines the distinctive role of a consultant in the insurance industry.