Description
Advise clients on insurance coverage and risk management across life, health, property and casualty, disability, and long-term care products. Duties include assessing clients' exposures, assets, liabilities, cash flow, existing policies, and goals to determine appropriate coverage and limits. May also quote, apply for, and place policies, and assist with policy service and claims.
- • Analyze client risk profiles and financial data to design insurance solutions that meet protection goals.
- • Answer client questions about policy types, coverages, exclusions, deductibles, riders, and premiums.
- • Interview clients to gather details on assets, liabilities, operations, dependents, property conditions, current insurance, budget, and risk tolerance.
- • Assist with applications, underwriting, and policy placement, or refer clients to specialists when needed.
- • Prepare and explain quotes, coverage summaries, policy comparisons, and premium illustrations.
- • Guide clients in gathering documents such as loss runs, property schedules, medical records, driving records, appraisals, and prior policies.
- • Contact clients periodically to review life changes, exposures, or market shifts that may require updates.
- • Coordinate with attorneys, accountants, benefits administrators, lenders, and underwriters to align coverage with requirements.
- • Develop risk mitigation strategies, such as adjusting deductibles, adding endorsements, or implementing safety measures.
- • Set up client accounts in agency systems, submit applications, bind coverage, and collect initial premiums as permitted.
- • Conduct seminars or workshops on insurance topics like homeowners coverage, small business risk, life insurance planning, or Medicare options.
- • Inform clients about discounts, government programs, or regulatory changes that affect coverage and premiums.
- • Recommend insurers, products, or endorsements that support risk reduction or sustainability objectives when appropriate.
- • Recommend coverage strategies across life, health, property and casualty, disability, and long-term care to balance protection and cost.
- • Review policies regularly to determine whether life events, asset changes, or claims history indicate a need for adjustments.
- • Manage client policy portfolios, ensuring renewals, endorsements, certificates, and compliance are up to date.
- • Build and maintain a book of business through prospecting, referrals, and retention activities.
- • Explain advisor responsibilities, carrier relationships, compensation, and the scope of services provided.
- • Research carriers and policy options to determine underwriting fit, coverage quality, and value for client needs.
- • Monitor insurance market trends, rates, and regulations to keep client coverage competitive.
- • Assist clients during claims by reporting losses, communicating with adjusters, and advocating for fair resolution.
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Last reviewed: Jan 2026
