Which statement describes the role of an agent regarding client applications?

The statement highlighting that the agent must complete and submit applications accurately reflects the primary responsibilities associated with the role of an agent in the context of client applications. Agents play a crucial role in the insurance process by acting as intermediaries between clients and insurance providers. This involves gathering necessary information from clients, ensuring that applications are filled out correctly, and then submitting these applications to the insurer for consideration.

Completing and submitting applications are key tasks for agents because they ensure that all relevant details are provided, adhere to necessary protocols, and facilitate the timely processing of applications. This not only aids in obtaining coverage for the clients but also helps to maintain compliance with regulatory requirements and insurer guidelines.

In contrast to other roles not emphasized in the question, such as policy delivery or direct underwriting, the agent's main function revolves around initiating the application process, making the identification of the correct statement particularly significant in understanding the full scope of an agent's duties.