An insurance producer is an individual authorized by the state to sell, solicit, or negotiate policies on behalf of companies. They play an important role in the industry as intermediaries between insurance providers and customers.

To become a licensed insurance producer, individuals must obtain a legal certification, which requires meeting specific requirements set by the state’s regulatory authority. These requirements typically include completing pre-licensing education, passing an exam, and fulfilling any additional state-specific requirements.

With the producer license, they are authorized to apply to represent multiple companies and can offer a variety of services. They assess clients’ insurance needs, provide information about available policies, explain coverage options, and help choose the most suitable plans based on their requirements and budgetary considerations.

Insurance producers also assist with policy applications, advise on the underwriting processes, and provide ongoing customer service, including policy renewals, amendments, and claims assistance.