Most people have their first contact with an insurance company through an Insurance Advisor/Agent. Insurance Advisor/Agent help individuals, families and businesses select insurance policies that provide the best protection for their lives, health, and property. Independent Insurance Advisor/Agent represent several companies and place insurance policies for their clients with the company that offers the best rate and coverage. Insurance Advisors/Agents prepare reports, maintain records, seek out new clients and in the event of a loss, help policyholders settle their insurance claims. Some are also offering their clients financial analysis or advice on ways the clients can minimize risk.