A personal lines insurance agent is licensed to sell multiple types of insurance policies including property and casualty, life, health, liability, and umbrella insurance to protect individuals and families against financial loss. They analyze the personal insurance needs of their clients to recommend suitable insurance products. They are also the account manager and provide customer service to their existing book of business while simultaneously marketing and prospecting new business, policy renewals, organic growth, and more. A personal lines insurance sales agent must facilitate additional insurance coverage lines like marine or flood insurance if needed to meet clients' insurance needs and collaborate with underwriters on policy retention, modification, and reinstatement. They may work on behalf of insurance agencies, insurance brokers, or be independent agents.