Agents for insurance companies may not be secret ones, but insurance and secret agents both take names and issue numbers. Policy numbers.
Agents in the insurance world have a "licence to bill" (premiums), issued not byBritain's Secret Intelligence Service, but by the state department of insurance; and not in the service of Her Majesty, but at the appointment of one or more insurers.
The insurance agent provides products to people and businesses that can reduce the financial impacts of everyday dangers. The agent acts as conduit for those dangers, spreading them among a much larger population, but in doing so takes on a litigation risk—regardless of the merits—that may materialize when the coverage is not broad enough in scope or high enough in limits to adequately protect the policyholder ("adequacy" being viewed with the benefit of 20/20 hindsight).
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