Which of the following responsibilities does an agent have toward the insured?

An agent has the responsibility to accurately disclose product features and benefits to the insured. This duty is fundamental to ensuring that the insured understands what they are purchasing and how it meets their needs. Transparency about the details of the insurance product, including coverage limits, exclusions, and benefits, is essential for making informed decisions.

This responsibility builds trust between the agent and the insured, helping the insured to feel confident in their choices. Proper disclosure also protects the agent and the agency, as it mitigates the risk of misunderstandings or disputes arising from the insured’s expectations versus the actual coverage provided.

While selling a variety of insurance products can be part of an agent's role, the primary focus should always be on ensuring that clients are well-informed about the specific products they are considering. Handling premiums must adhere to established guidelines and regulations, not personal discretion, and the privacy of policy details is important but does not outweigh the need for clear communication about what the insurance entails.