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The role of agents in insurance transactions is best described by the phrase that indicates they act on behalf of an insurer to sell policies. Agents are essentially representatives of insurance companies and are licensed to market and sell insurance products on their behalf. They facilitate the relationship between the insurer and the customer, helping clients to find appropriate coverage options while also ensuring that the insurer's interests are represented.

This role encompasses understanding the various policies available, providing information about coverage options, and assisting clients with completing applications. It is important to note that agents typically do not provide legal advice, which is reserved for licensed attorneys. Additionally, while agents facilitate endorsements and amendments to policies, they do not have the authority to issue these independently without the express consent of the insurer.