What role does an insurance agent typically serve?

An insurance agent primarily serves the role of representing the insurer in negotiations. This involves acting on behalf of the insurance company to sell policies, explain coverage options, and negotiate terms with potential clients. The agent's main responsibilities include assessing the needs of clients and helping them find suitable insurance products from the insurer they represent. Their expertise in the insurer’s offerings allows them to facilitate communication and ensure that both parties understand the terms of the insurance agreement.

In contrast to the responsibilities outlined in the other roles, expediting claims processing typically involves adjusters or claims representatives who work to ensure that claims are handled efficiently after a loss occurs. Underwriting insurance policies is mainly the domain of underwriters, who assess risk and determine policy terms and premiums. Providing advice to claimants on claims is often reserved for claims adjusters or other specialized personnel rather than agents, as agents generally focus on selling and managing policies rather than handling claims directly.