An Insurance Agent is responsible for the sale and service of insurance policies. They work with clients to determine their needs and then find the best policy to fit those needs. They may also be responsible for handling claims and providing customer service.

An Insurance Agent's duties vary depending on the type of insurance they sell. Health Insurance Agents help clients choose plans that cover medical expenses. Life Insurance Agents sell policies that pay out a death benefit to beneficiaries. Property and Casualty Insurance Agents sell coverage for homes, automobiles, and businesses.

Many Insurance Agents are independent contractors who work with multiple insurance companies. They may also work for a single company, known as a captive agent. Captive agents can only sell the products of the company they work for.

Some Insurance Agents specialize in a particular type of insurance, such as long-term care insurance or disability insurance. Others sell multiple types of insurance. Insurance Agents must be licensed in the states where they do business. They must also complete continuing education courses to keep their license up-to-date.

Average day of an Insurance Agent
Here’s a non-exhaustive list of  common tasks Insurance Agents are required to complete: 

• Meet with clients to discuss their needs and budget
• Research various insurance policies to find the best coverage for the client
• Help clients fill out paperwork for their chosen policy
• Keep up to date on changes in the insurance industry and updates from carriers
• Attend training seminars to stay sharp on industry trends
• Help clients file claims and navigate the claims process
• Maintain records of clients and their policies
• Follow up with clients regularly to ensure they're satisfied with their coverage
• Generate new leads to continue growing their book of business
• Interview new clients to assess their risks when selling life or health insurance
• Check medical records for life or health insurance
• Inspect assets when selling property or car insurance
• Check inspection reports for property or car insurance
• Contact Insurance Underwriters to conduct coverage evaluations to prepare and draft insurance agreements and policies together