What is the primary role of an insurance agent in life insurance?

The primary role of an insurance agent in life insurance is to assist clients in selecting policies and explaining options. Insurance agents serve as the intermediary between the clients and the insurance companies. Their responsibilities include assessing the needs of clients, providing information about different policy types, explaining the features and benefits of various options, and helping clients choose a policy that fits their financial goals and personal circumstances.

Agents also educate clients about the coverage terms, any riders that can be added to a policy, and how various factors may affect premiums and coverage. This guidance is critical for clients to make informed decisions regarding their life insurance needs. While managing finances, claims processing, and determining premium rates are important aspects of the insurance industry, these are typically not the direct responsibilities of an insurance agent. Their focus is primarily on client interaction and support, making them crucial in the policy selection process.