What describes an agent who is a salaried employee selling insurance products for only one insurer?

The term that describes an agent who is a salaried employee selling insurance products for only one insurer is "Direct Writer." This type of agent operates under the direct oversight of the insurance company they represent and typically sells products exclusively from that company. The relationship is primarily employer-employee, meaning the agent earns a salary as opposed to commission-based earnings that are commonly associated with independent agents.

A direct writer is dedicated to promoting the specific products of one insurer and often engages in promotional activities and customer service directly on behalf of that insurer. This model allows the insurance carrier to maintain greater control over the agent's sales techniques and ensures a consistent brand message.

In contrast, a captive agent also sells insurance for one insurer but typically operates on a commission basis and may have more flexibility in managing their operations. An exclusive agent shares similarities with a direct writer regarding their exclusive representation of one insurer, but they are often not salaried employees. A general agent usually has multiple agreements with several insurance companies and operates more independently, which does not align with the specific employment structure described in the question.