what is the role of insurance agents?

Answer 1

The previous posts have been correct w the exception of the person who doesn't understand insurance. As an agent I have no power to deny a claim, or to even SUGGEST denying a claim.

Most claims are pretty clear cut....covered, or not covered!!

My responsibility is to inform the client about all aspects of the product being considered after learning about what risk exposures they have whether it is for their home, auto, business.

I also have a responsibility to present complete factual information to the company so they are able to properly access the risk they are insuring.

When a claim situation develops I am able to assist the client w any questions & guide them through the process.

Routine service such as reviewing needs occasionally is also an important part of the agent's role.

Answer 2

Hi! The role of an insurance agents is to BRIDGE between the insurance company and a person who wants to be insured or want their property to be insured. He also acts as the SPOKESMAN of the insurance company so that he may be able to sell an insurance. He is also an AGENT because he get a commission everytime a person buys and believe in what he is selling.

Answer 3

They are the intermediary stage between the insurer - often a large impersonal body like a merchant bank - and the public. In theory, they assist the client (purchaser) to find a policy which most suits both their needs and income. Again in theory, they act as agents for a variety of insurers.
In reality, they operate on commission from the insuring bodies who are far too busy making vast amounts of money (through investments) to bother with the 'personal touch' needed to deal with the public on a direct level.

Answer 4

an insurance agent is the "go between" for the client and the insurance company

Answer 5

Agents sell insurance policies and sometimes serve as a middle man between the custumer and adjuster(person who estimates and settles claims)

Answer 6

<>Insurance agents provide sales and service on insurance policies. Some specialize in only one company, some handle a variety. They will explain the various policies to you, write up the policy and issue it, take your payments, and handle claims on the policy.

Answer 7

to suck in the client ,take the money and in case of a claim be the first to deny it, then call his superiors and inform them of the claim so they deny it also, but the agent winds up lookin like your friend