Who is responsible for assembling the policy forms for insured individuals?

The insurance carriers are responsible for assembling the policy forms for insured individuals. This role is crucial because insurance carriers design the coverage options, terms, and conditions that define what is included in an insurance policy. They ensure that the forms meet regulatory requirements and reflect the products they offer to policyholders.

Agents act as intermediaries who help clients choose the right coverage from the options provided by the insurance carriers, but they do not organize or create the policy forms themselves. Policyholders are the end-users of the insurance products, and though they might have input on the coverage they need, they do not have a role in assembling policy forms. Third-party administrators may manage claims and administrative tasks for insurance policies, but they do not typically create or assemble the policy forms either. Thus, the responsibility clearly lies with the insurance carriers.