A licensed agent is an individual who has been granted a license by a governing body to act on behalf of others in a particular capacity. In the context of insurance, a licensed agent is someone who has met the requirements set forth by the state and holds a valid insurance license that allows them to sell, service or negotiate contracts of insurance on behalf of an insurer. This means they have the necessary knowledge and skills to understand and explain various types of insurance policies, help customers determine their coverage needs, and assist with claims processing when needed. In essence, a licensed agent is authorized by law to provide professional advice and assistance in managing risk through the purchase of insurance products.