Final answer:
A person negotiating insurance contracts needs a producer license.
Explanation:
A person who negotiates insurance contracts is required to hold a producer license. This license is necessary for individuals who engage in the selling and servicing of insurance policies, including negotiating contracts.
Those who administer employee benefits, create insurance advertisements, or take messages related to claims are not typically required to hold a producer license.
Learn more about Insurance licensing requirements here:
https://brainly.com/question/44758179
