What is one primary function of an insurance agent?

The primary function of an insurance agent is to facilitate the sale of insurance policies. Agents serve as intermediaries between insurance companies and potential policyholders, assisting clients in understanding their insurance needs and helping them select appropriate coverage options. They provide information about different insurance products, explain policy terms, and guide clients through the purchasing process, ensuring that individuals and businesses secure the right protection for their circumstances.

This role is crucial as it not only involves selling policies but also building relationships with clients, providing customer service, and supporting them throughout the insurance process, including renewals and potential claims. In contrast, underwriting policies is typically the responsibility of underwriters, who assess risk and determine policy terms and premiums. Legal advice is generally outside the scope of an insurance agent's role, as agents are not licensed to provide legal counsel. Processing claims is usually handled by claims adjusters or the insurance company itself, rather than by the agent who sold the policy.