Which of the following is considered an intermediary?

An intermediary in the context of insurance is a person or entity that acts as a bridge between the insurer and the insured, facilitating the transaction of insurance policies. This includes activities such as soliciting, negotiating, and servicing insurance contracts.

A person soliciting accident policies door-to-door is clearly engaged in the act of directly marketing and selling insurance products to consumers. This role fits the definition of an intermediary, as they are actively involved in connecting individuals with insurance coverage.

In contrast, the other options do not fulfill the role of an intermediary. A high school teacher teaching insurance provides education but does not facilitate insurance transactions. An accountant giving incidental advice about insurance may offer insights but is not actively involved in selling or negotiating policies. Similarly, a risk manager for a large manufacturer manages risk within the company but does not act as a broker or agent to facilitate customer insurance purchases. Thus, the definition of an intermediary is best represented by the individual soliciting accident policies door-to-door.