Insurance agents should always be considered a trusted advisor. As such, there are many unique skill sets an agent should possess. Without these skills you run the risk of having the wrong insurance program, being un-informed regarding your risks, and be frustrated whenever you call or meet with your agent.
Insurance cannot be viewed as a product, but rather a relationship. Insurance buyers need to understand that the insurance relationship consists of the agent, the buyer, and the insurer. The insurer does not really care about the buyer; they offer a set of products. The agent is the one who should care about the buyer, and develop a relationship through education, not selling.