Only the following person(s) have the authority to change the policy.

The correct choice reflects the authority to make changes to an insurance policy, which is generally held by officers of the insurance company. These individuals have the designated power to officially approve modifications, ensuring that any alterations align with the company's policies and regulatory requirements.

Officers are responsible for making decisions that affect the operations and contracts of the insurance entity, maintaining compliance with industry standards as well as company protocols. Their role is pivotal in ensuring that changes to a policy are not only legitimate but also thoroughly vetted.

While brokers serve as intermediaries who can facilitate communication and negotiation between insured clients and insurers, they typically lack the authority to make binding changes to the policy without prior approval from the insurance company. Similarly, the insured client may express the desire to modify policy terms, but only those with explicit authority from the insurer can enact those changes. This helps maintain a clear line of accountability and compliance within the insurance framework.

Understanding the chain of authority helps clarify the roles within the insurance process and emphasizes the importance of having qualified personnel handle official policy modifications.