What is the primary responsibility of an Insurance Agent?

The primary responsibility of an insurance agent is to sell insurance products. Insurance agents serve as intermediaries between insurance companies and the clients, helping individuals and businesses understand their insurance needs, providing options that fit those needs, and facilitating the purchase of appropriate coverage. They educate clients about the various policies available, assist with selecting coverage, and ensure that the clients are aware of the benefits and limitations of the policies they are buying.

In contrast, adjusting claims is a responsibility that typically falls to claims adjusters, who evaluate and settle claims made against an insurance policy. Negotiating settlements is also usually handled by professionals trained in claims handling rather than agents focused on sales. Processing claims involves administrative tasks that are distinct from the core sales function of insurance agents, which is why these roles are generally separated within the industry. Thus, the focus on selling insurance products accurately reflects the primary role of an insurance agent.