Provides service to clients changing insurance needs by selling life, health, and disability insurance.Establishes productive working relationships with clients.Develops base for long-term sources of clients.Compiles lists of prospects.Determines clients particular needs and financial situations by scheduling fact-finding appointments and determining the extent of present coverage and investments.Ascertains clients long-term goals.Develops a coordinated protection plan by calculating and quoting rates for immediate coverage action and long-term strategy implementation.Communicates with adjusters.Obtains underwriting approval by completing application for coverage.