What is the role of an insurance agent?

The role of an insurance agent encompasses a broader responsibility than merely selling policies; it involves guiding clients in selecting insurance policies that best meet their individual needs and circumstances. Insurance agents assess the unique situations of their clients, taking into account factors such as budget, coverage requirements, and risk tolerance. This consultative approach ensures that clients are well-informed about their options and can make choices that provide adequate protection.

While selling policies is a component of an agent's job, it is not the sole focus. Underwriting is typically handled by underwriters who evaluate and approve applications based on risk assessment, and claims processing is managed by claims adjusters. Therefore, assisting clients in making informed decisions about their insurance needs is the cornerstone of what an insurance agent does. This client-centric role ultimately helps ensure that individuals have the appropriate coverage to protect against potential risks.