An insurance agent is a professional who sells policies to individuals or businesses. They act as intermediaries between insurance companies and clients, assisting them in understanding their insurance needs and selecting appropriate coverage options.

There are different types of insurance agents, including independent agents, captive agents, insurance advisors, and insurance sales agents.

-An independent agent works with multiple companies and is not tied to any specific one. They can offer a wide range of products from different providers, allowing them to tailor coverage to meet their clients’ particular needs.

-A captive agent exclusively represents one insurance company. They are employed or contracted by that particular company and can only offer policies and products from that one.

– An insurance advisor is a knowledgeable professional who provides guidance and advice to clients regarding their insurance needs. They assess the risks and coverage requirements of clients and recommend suitable solutions. Insurance advisors often have expertise in specific areas such as life insurance, health insurance, property and liability insurance.

– An insurance sales agent focuses on selling insurance policies to clients. They are responsible for prospecting potential clients, explaining policy terms and coverage options, and assisting them in selecting the most appropriate policies for their needs. Insurance sales agents may work for insurance companies or as independent agents.