What is the primary function of an 'insurance agent'?

The primary function of an insurance agent is to sell and service insurance policies for clients. This role is critical in the insurance industry as agents act as intermediaries between insurance companies and customers. They help clients understand their insurance needs, provide them with information about the different policy options available, and guide them through the purchasing process. Additionally, agents offer ongoing support to policyholders, which can include answering questions about coverage, assisting with renewals, and ensuring that clients understand the terms of their policies.

In contrast, managing claims is typically the responsibility of claims adjusters or claims representatives, not agents. Evaluating risk and setting premium rates falls under the purview of actuaries or underwriters, who use statistical models to assess risk. Providing legal advice about insurance policies is the role of qualified legal professionals, not insurance agents. Thus, the role of the insurance agent is primarily one of sales and customer service, making option B the most accurate representation of their main function.