As an insurance counselor, what is your main responsibility?

In the role of an insurance counselor, the primary responsibility is to advise clients on risks and insurance coverage. This involves conducting thorough assessments of a client's needs, understanding their unique situations, and then providing guidance regarding the types of insurance coverage that would best protect them against potential risks.

Unlike selling insurance policies, which focuses on transaction-based activities, or advocating for insurance companies, which could lead to a conflict of interest, advising clients centers around providing objective and unbiased insights tailored to their personal or business circumstances. This is crucial for helping clients make informed decisions about their insurance needs.

Processing insurance claims, while an important function within the insurance industry, is typically handled by claims adjusters or other specialized personnel rather than insurance counselors. Therefore, advising clients on risks and coverage is fundamentally the core duty that defines the counselor's role in helping clients navigate the complexities of insurance.