What term describes a producer who sells most of their insurance policies to family members?

The term that describes a producer who sells most of their insurance policies to family members is known as "controlled business." In the context of insurance, controlled business refers to a situation where a producer sells insurance to individuals or entities with whom they have a close personal relationship, such as family members or friends.

This can raise potential ethical concerns and regulatory scrutiny, as it may lead to situations where the producer's personal interests conflict with the best interests of their clients. Insurance regulators often monitor controlled business practices to ensure that producers are acting in good faith and are not taking undue advantage of their personal relationships for financial gain. By regulating or limiting controlled business, authorities aim to maintain the integrity of the insurance industry and protect consumers.

The other terms listed, while they might seem relevant, do not specifically capture this scenario. For instance, "frequent business" generally pertains to regular transactions within a typical business context, rather than focusing on familial relationships; "personal business" is too broad and doesn't specifically indicate the familial aspect; and "family business" implies a business ownership model rather than the sales relationship described in the question.