An insurance agent is an intermediary who sells or services insurance under an authorised relationship with one or more insurers, subject to local rules. The agent may explain products and help complete a proposal form, but the insurer issues the contract and determines claim entitlement.
A Nepalese customer should verify the agent's status, obtain official premium receipts, and confirm benefits in the insurance policy. Check application answers personally before signing. If an agent promises a special return or coverage extension, request the insurer's written confirmation rather than relying only on a verbal assurance.