What is the primary role of an "insurance agent"?

The primary role of an insurance agent is to sell and negotiate insurance policies for insurance companies. Insurance agents serve as intermediaries between the insurance providers and the customers. Their responsibilities typically include assessing the needs of clients, providing information on various insurance products, helping clients select the appropriate policies, and facilitating the purchase process.

This role is essential in the insurance industry, as agents ensure that their clients understand the policies they are purchasing, including coverage options, limitations, and any associated costs. By negotiating and selling these policies, agents help clients secure the necessary financial protection against risks, which is the fundamental purpose of insurance.

Other roles, such as investigating and settling claims, are typically reserved for claims adjusters; providing legal advice is generally the realm of attorneys; and educating clients on health and wellness practices falls under the purview of health professionals. Therefore, the function of selling and negotiating policies distinctly aligns with the core duties of an insurance agent.