Life & Health Insurance Practice Exam 2025 – 400 Free Practice Questions to Pass the Exam

In an insurance transaction, the primary role of the agent is to act as a representative of the insurer. This involves promoting and selling the insurance products offered by the insurer, explaining coverage options to potential clients, and helping facilitate the purchase of policies. Agents are tasked with ensuring that the insurer's interests are safeguarded while also addressing the needs of the clients they serve.

By representing the insurance company, agents are responsible for conveying accurate information about the policies, underwriting guidelines, and the claims process, thereby acting as a bridge between the insurer and the insured. This relationship is foundational in the insurance market, as agents not only drive sales but also help educate consumers about their options, ultimately benefitting both parties involved in the insurance transaction.

While agents may provide advice to clients regarding their insurance needs and coverage choices, the essence of their primary responsibility lies in their representation of the insurer. They do not operate as independent parties or manage insurance companies; their role is specifically aligned with the interests and policies of the insurer they represent.