Definition: Insurance agents in your area are professionals who represent insurance companies and sell insurance products to clients. Definition: An insurance agent is a professional who represents an insurance company or company's agents on behalf of their clients. They are responsible for promoting and selling policies, underwriting premiums, and handling claims. Insurance agents must be licensed by the state where they operate, and must have knowledge of the laws and regulations that govern the industry. Examples: A local insurance agent might be able to offer advice on how to choose the right policy or negotiate a lower rate, while a national insurance company may have multiple agents who can offer personalized service based on their clients' needs.