An insurance worker is someone who works in the field of insurance, providing services such as risk assessment, policy writing, and claims processing. An AGEN is a person who sells and services insurance policies, an ACTUARY is a professional who assesses the financial risks associated with insurance policies, a RATER is someone who evaluates the risk of insuring a particular individual or property, and an ESTIMATOR is a person who calculates the cost of an insurance policy. An AGENT is a person who represents an insurance company and sells its products.