The policy of insurance is signed by the representative of the insured, which is the person or entity that is buying the insurance policy to protect themselves or their property from potential risks. The representative of the insured can be the policyholder themselves or someone authorized to act on their behalf, such as an agent or attorney. The representative of the insurer, on the other hand, is a person who works for the insurance company and is responsible for handling claims and providing customer service. An insurance broker is an independent intermediary who helps clients find and purchase insurance policies from different insurers, while an insurance consultant provides expert advice and guidance on insurance-related matters.