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An agent or producer primarily acts as a legal representative of an insurance company. In this role, they represent the insurer in conducting business activities such as selling insurance policies and building client relationships. Agents have a fiduciary duty to act in the best interests of the insurer while also providing potential clients with information about various policies and options. They are often responsible for informing clients about the terms of coverage, answering inquiries, and assisting them through the claims process.

This role is distinct from representing the interests of clients or consumers, which may lead to confusion about what agents are primarily responsible for. The agent's allegiance is often towards the insurance company, as they are essentially the face of the company in the market. They may work on a commission basis, earning income based on the policies they sell on behalf of the insurer, highlighting their representation of the company rather than the client or consumer.