Who can be classified as an agent in the insurance process?

In the context of the insurance process, an agent is primarily defined as an individual who represents an insurance company and is involved in activities such as selling and soliciting insurance products. Agents are typically licensed professionals who work to help potential policyholders choose appropriate insurance coverage, which makes them pivotal in the insurance distribution channel.

By definition, an agent acts on behalf of the insurer and plays a critical role in connecting the insurer to the customers, facilitating the sale of insurance policies. This includes providing advice, answering questions about various policies, and navigating clients through the application process.

In contrast, the other roles mentioned—such as customers, claims collectors, and underwriters—serve different functions within the insurance industry. Customers are the individuals seeking to purchase insurance, claims collectors assist in the claims process but do not typically engage in sales, and underwriters focus on assessing risks and determining coverage terms, rather than selling insurance. Thus, the role that aligns with the definition of an agent is the individual soliciting sales of insurance products.