The correct answer is: An insured.
An insurance broker is an independent intermediary who helps people find and purchase insurance policies from insurance companies. They represent the insured, not the insurance company. This means that they work on behalf of the insured to find the best possible policy for their needs and to negotiate the best possible rates.
An insurance company is a business that provides insurance to individuals and businesses. They collect premiums from their customers and use those premiums to pay out claims when customers experience losses.
An association of insurance companies is a group of insurance companies that have joined together to share resources and to promote the interests of the insurance industry.
A community of people who have already taken insurance is a group of people who have all purchased insurance policies from the same insurance company.
I hope this helps! Let me know if you have any other questions.