An insurance agent is a professional who acts as an intermediary between insurance companies and customers, with the primary role of selling insurance policies to individuals or businesses. They are licensed by state insurance regulatory authorities and are knowledgeable about a wide range of insurance products, including life, health, property, and casualty insurance. Insurance agents assess the needs of their clients, advise on the most suitable coverage options, and assist with the application process. They may work independently or be employed by a specific insurance company, in which case they are often referred to as captive agents. Unlike insurance brokers who represent the insurance buyer, agents generally represent the insurance company and are responsible for facilitating the underwriting process, policy issuance, and providing ongoing customer support. They also assist policyholders with policy renewals, changes, and claims processing, ensuring that their clients receive the coverage they require and understand the terms of their insurance contracts.
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