What Do Insurance Agents Do? A Day in the Life Explained

If you’ve ever wondered, what do insurance agents do?, you’re not alone. Whether you’re considering a new career or working with an agent to purchase coverage, it’s helpful to understand how these professionals help clients navigate financial protection and peace of mind. In this post, we’ll break down the responsibilities of modern insurance agents and how their role is evolving in 2025.

What Is an Insurance Agent?

An insurance agent is a licensed professional who sells and services insurance policies on behalf of carriers. They may work directly for one insurance company (captive agents) or represent multiple carriers (independent agents).

As described by the U.S. Bureau of Labor Statistics, insurance agents help clients understand their needs, explain policy features, and ensure they purchase the right coverage—whether it’s for life, auto, health, or home insurance.

Key Responsibilities of an Insurance Agent

1. Assessing Client Needs

Agents begin by consulting with potential clients to understand their lifestyle, financial situation, family structure, and risk tolerance. This information helps them identify which type of policy—like final expense life insurance—is most appropriate.

2. Recommending and Selling Policies

Agents explain various policy options and help clients compare coverage amounts, exclusions, premiums, and terms. They then guide clients through the application and underwriting process.

3. Policy Servicing

After a sale, agents continue supporting clients with policy updates, premium questions, and claim submissions. A strong agent-client relationship is critical for retention and trust.

4. Prospecting and Lead Management

Successful agents dedicate time to marketing and outreach. This can involve cold calling, online lead generation, or working inbound leads like those offered at North Star Insurance Advisors.

What Tools Do Modern Agents Use?

Today’s agents work smarter using digital tools, including CRMs, lead routing platforms, underwriting automation, and virtual meeting software. Many—especially at firms like North Star—work 100% remotely from home.

Why Become an Insurance Agent?

High-income potential with commission and bonuses
Flexible work environments (remote and in-office)
Recession-resistant industry
Personal fulfillment through helping families plan ahead

Start Your Insurance Career with North Star

Interested in a rewarding role with flexible hours and unmatched training? North Star Insurance Advisors is hiring remote and in-office agents nationwide.

Check us out on Indeed and Glassdoor!