Which of the following is NOT a function of an insurance agent?

Underwriting insurance policies is not typically a function of an insurance agent. Insurance agents primarily focus on the sale and distribution of insurance products, which includes soliciting applications, negotiating premiums, and advising clients on suitable coverage based on their needs.

Underwriters, on the other hand, are specialized professionals who assess risk and determine the terms and pricing of insurance policies. While agents may have a general understanding of underwriting requirements and work closely with underwriters to facilitate the process, they do not engage in the actual assessment and decision-making regarding the underwriting of policies. Therefore, identifying this distinction clarifies why underwriting does not fall within the primary functions of an insurance agent.