What is the primary role of an agent in life insurance?

The primary role of an agent in life insurance is to sell and service life insurance policies on behalf of an insurer. Agents act as intermediaries between the insurance company and the policyholders, facilitating the process of purchasing insurance products while providing valuable services such as advising clients on suitable coverage options, helping with the application process, and assisting with policy management over time.

Agents are the frontline representatives of an insurance company. They ensure that clients understand the products offered, the benefits of those products, and the potential risks. By building relationships with clients, agents help maintain customer satisfaction and foster long-term loyalty, which is essential for the success of both the agent and the insurance company.

While underwriting and risk evaluation are crucial functions within the insurance industry, these tasks are typically the responsibilities of specialized personnel in underwriting departments rather than agents. Similarly, managing claims is usually handled by claims adjusters or claims managers, who focus on processing and resolving claims rather than direct sales or client service.