Insurance company's agent

is a trusted individual or legal entity involved in fulfillment of instructions or performance of certain actions on behalf of and in the interests of another person (principal) at its own expense and on its behalf, without being its employee. It is assumed that a person that empowers the agent, at the same time consents to making legal transactions by the agent that are permissible when using these powers. However, the agent’s right to get payments must be explicitly stated in agency agreement.