When it comes to ethical considerations, how do the responsibilities of a broker to a client differ from those of an agent to a client?

$1.$ The broker should only think of the client while the agent should only think of the insurer.

$2.$ There is little ethical difference between their responsibilities to the client.

$3.$ The broker should only think of the insurer while the agent should only think of the insured.

$4.$ The broker only needs to think of the insured where the agent must consider both the insured and the insurer.