They also compare present coverage, if any. Agents then work out an insurance program, often covering a variety of risks, suited to that customer. They explain the program's costs and benefits, and attempt to write a policy. If their selling effort is successful, agents draw up the appropriate applications and submit them to the company. Agents also provide continuing follow-up services.
Agents frequently talk with company underwriters or claims representatives about their clients.
They also meet with company field representatives to learn about new products and services and to receive technical assistance in developing new accounts. There are some independent agents operating offices that have spent considerable time implementing data processing procedures. However, once the initial work is done, record keeping and other tedious paper work is reduced, and more time is available to spend on sales activities. Independent agencies tend to be relatively small, while general agencies representing one large company are often substantially larger. Many agents belong to professional organizations such as the Independent Insurance Agents Association, or the National Association of Life Underwriters.