What is the primary role of a life insurance agent?

The primary role of a life insurance agent is to sell life insurance policies and offer guidance on the various options available to clients. This involves understanding clients' needs, assessing their financial situations, and recommending suitable policies that provide the appropriate coverage for their specific circumstances. Life insurance agents serve as intermediaries between the insurance companies and the clients, helping individuals and families choose products that will provide financial protection in the event of death or unexpected circumstances.

In addition to selling policies, agents also educate clients about the features, benefits, and limitations of different life insurance products, which is crucial in helping clients make informed decisions. They may also assist with the application process and provide ongoing support to ensure the client fully understands their policy and any changes to it over time.

While other roles mentioned, such as managing portfolios or underwriting applications, are important functions within the insurance industry, they are typically performed by professionals with specialized training in those areas, rather than by life insurance agents whose primary focus is on policy sales and client consultations.