POL California Life: The Insurance Marketplace Practice Test 2026 - Free Practice Questions and Study Guide

The term that describes a person who represents clients rather than the insurance company is an insurance broker. Brokers act as intermediaries between clients and insurance providers, working on behalf of the clients to find coverage that meets their specific needs and preferences. Unlike agents who typically represent the interests of one or more insurance companies, brokers prioritize the interests of their clients, often providing a wider range of options in terms of policies and pricing.

In California's insurance marketplace, brokers are crucial for helping consumers navigate their choices, ensuring they understand their coverage options and find the best fit for their circumstances. They have the ability to compare different insurance products from various insurers, which gives clients a more comprehensive view of what's available in the market.

Other roles such as an insurance agent or a life-only agent are more focused on selling products from the company they represent. A claims adjuster, on the other hand, evaluates insurance claims on behalf of the insurer to determine the validity of claims and the compensation amount, rather than representing clients directly.