What does an Insurance Agent do?
Answer:
Insurance agents are licensed by the states
in which they operate to sell insurance products and services. They must have specific licenses for selling property and casualty insurance and life and health insurance. Most states require pre-licensing coursework, the passing of a licensing exam, and continuing education.

Once licensed, insurance agents either work for an insurance carrier and sell their products or become an independent agent who sells a variety of insurance policies from numerous insurance carriers.

Insurance agents seek new customers and prospects to sell insurance policies to, assist existing clients with claims, and may even offer other services such as financial planning, estate planning, retirement planning, and college planning. Because of these additional financial services, the agents often sell mutual funds, securities, and annuities. Insurance agents who sell these securities must pass additional exams administered by the National Association of Securities Dealers.

Insurance agents build relationships with their clients as well as the companies who provide services such as collision repair shops and car rental companies. Even if a client has an uncovered loss, an insurance agent is an excellent resource for finding out which companies have served their clients well in the past.

Find an Insurance Agent near you.
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