Who is responsible for assembling the policy forms for insureds?

The responsibility for assembling policy forms for insureds lies with insurance carriers. Insurance carriers are the companies that create, issue, and underwrite insurance policies. They are tasked with designing the policy documents that detail the terms, conditions, coverage, and exclusions of the insurance. This includes ensuring that the forms comply with state regulations and that they align with the products they offer.

Brokers and insurance agents may facilitate the selling process and assist clients in understanding different policy options, but they do not create or assemble the policy forms themselves. They serve as intermediaries, helping clients navigate their options and purchasing decisions. The insured individuals are the policyholders who utilize the insurance products but do not have any responsibility for assembling policy forms.

Therefore, the insurance carriers are the correct choice as they are fundamentally responsible for the development and assembly of policy forms used by insured individuals.