What is the primary role of an insurance agent?

The primary role of an insurance agent is to sell and service insurance policies on behalf of an insurance company. This involves interacting with potential clients, assessing their insurance needs, advising them on suitable coverage options, and ultimately facilitating the purchase of policies. Additionally, agents play a crucial role in maintaining relationships with clients, helping them understand their policies, manage claims, and make adjustments as their needs change over time. This focus on customer service and relationship management is central to the agent's responsibilities, enabling them to support clients effectively throughout the duration of their insurance coverage.

While collecting premiums, managing finances, and assessing risks are important aspects of the insurance business, they are not the primary functions of an insurance agent. Collecting premiums is a task that may be handled by various roles within the agency or company, while assessing risks and setting premiums typically falls within the domain of underwriters and actuarial staff, not agents who focus on client interaction and service.