Which of the following is a typical duty of an insurance agent?

Selling policies and advising clients is indeed a fundamental responsibility of an insurance agent. Insurance agents act as intermediaries between insurance companies and their clients, which means they are primarily focused on understanding their clients' needs, recommending appropriate insurance coverages, and facilitating the purchase of those policies. Furthermore, agents provide valuable advice regarding policy details, coverage limits, and potential gaps in coverage that clients need to be aware of, helping ensure that individuals and businesses are adequately protected.

In contrast, managing insurance claims is typically the responsibility of claims adjusters rather than agents. Setting insurance premiums involves the analysis of risk factors and underwriting, which falls under the purview of actuaries and underwriters. Determining policy exclusions is usually the domain of the insurance company and its legal team, not the agents representing them, as agents primarily focus on selling the products rather than setting the terms of the policies.