What role does an agent play in life insurance?

An agent in the context of life insurance primarily serves as a representative of the insurance company. This role entails various responsibilities, including marketing and selling life insurance products to potential policyholders, providing information about different policies, and assisting clients in understanding their options. By acting on behalf of the insurance company, the agent facilitates the connection between the insurer and the consumer, ensuring that customers receive accurate information and support regarding their insurance needs.

In this capacity, agents often receive training from the insurance company regarding product features, underwriting processes, and regulatory requirements, which allows them to effectively communicate these aspects to clients. While they may advocate for the needs of their clients, their primary loyalty and responsibility are to the insurance company they represent. This structure helps maintain a clear channel of communication and ensures that the insurance company's policies are properly conveyed to customers.