What is the primary role of an insurance agent?

The primary role of an insurance agent is to sell and provide advice about insurance. Insurance agents serve as the key link between consumers and insurance companies. They are responsible for understanding the needs of clients and recommending appropriate insurance products that best suit those needs. This includes educating clients about various types of policies, coverage options, and any specific terms or conditions involved.

Agents often assess the unique circumstances of their clients to guide them towards the most suitable insurance solutions, ensuring that they are adequately covered in potential risk situations. They are knowledgeable about the products they offer and can help clarify complex terms, thus facilitating informed decision-making for clients.

While underwriting policies, settling claims, and assessing risks are important functions in the insurance industry, these tasks are typically handled by underwriters, claims adjusters, and risk assessors, respectively. An agent's primary focus remains on sales and client advisement, making option B the correct choice in this context.