What role does an agent play in the insurance process?

An insurance agent primarily serves as an intermediary between the client and the insurer. This role is crucial in facilitating the communication and transactions necessary for obtaining an insurance policy. The agent helps clients understand the options available to them and guides them through the process of selecting coverage that fits their needs. By acting as a liaison, the agent enables insurers to reach potential policyholders and assists clients in finding suitable insurance products.

While it might seem that representing the client's interests is part of an agent's duties, that role is more about providing informed advice rather than acting solely in the client's interest. Agents must also consider the needs and guidelines of the insurance companies they represent, which shapes their recommendations. Additionally, agents handling claims is not typically their responsibility, as this function usually falls within the purview of claims adjusters or other specialists within the insurance company. Being a party to the insurance contract is also not the agent's role; instead, the contract is established between the insurer and the insured. The agent’s primary function remains as a connector who facilitates the overall process.