Final answer:
The insurance commissioner has the authority to inspect records of insurance transactions at any time, as part of their role in regulating the insurance industry at the state level.
Step-by-step explanation:
The individual who must be able to inspect records of insurance transactions made available by agent-brokers at any time is the insurance commissioner. The insurance commissioner is a state-level official responsible for overseeing and regulating the insurance industry within their jurisdiction. They ensure compliance with state insurance laws, which includes the ability to inspect records to verify that insurance transactions are conducted properly and lawfully. The goal of state insurance regulators is typically to keep the price of insurance low and to ensure that everyone has insurance, although these goals can sometimes conflict and be influenced by political factors.