Under what condition may Anne refrain from disclosing her compensation to a policy buyer?

The correct choice reflects a situation where Anne, being an employee of the insurer, may not need to disclose her compensation to a policy buyer. When an agent works as an employee of an insurance company, her compensation structure is typically a matter between her employer and herself, rather than a specific contractual agreement with the policyholder. This employment relationship often means that the insurer has internal policies regarding compensation disclosures that may not require the employee to provide this information to clients directly.

In contrast, independent agents often have a different obligation to disclose their compensation, as they are typically working on commission from various insurers and may have multiple revenue streams that need clarification for their clients. Furthermore, when a purchaser hires an agent specifically for consulting fees, there is often an expectation of transparency regarding both the services and the payment structure. Thus, while transparency is essential in the insurance industry, being an employee of the insurer creates a unique scenario where such disclosure might not be mandated.