Insurance Sales Agents

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Also known as:
Health Insurance Sales Agent, Insurance Agent, Insurance Broker, Life Insurance Agent, Life Insurance Salesperson, Pension Agent

See all Finance Careers.

ABOUT INSURANCE SALES AGENT CAREERS
Video transcript

Most people would prefer not to think about insurance. But in the event of an injury or accident we are thankful that insurance will cover the loss. Insurance sales workers provide valuable information to customers about the risks of everyday life.

Those workers offering car and homeowner's insurance compete on price and service. But most people need life, health, and disability insurance as well, and they rely on these professionals to analyze their needs and recommend appropriate insurance products. That can be a challenge because so many combinations of insurance, mutual fund investments, and other financial instruments are available.

While insurance companies provide extensive training, much of the time-purchase decisions in this highly competitive business are made on the basis of personal chemistry. If you have a talent for financial matters, enjoy working with people, and love to sell, insurance sales can be a very rewarding occupation.

SNAPSHOT
Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.
Leadership
HIGH
Critical decision making
HIGH
Level of responsibilities
LOW
Job challenge and pressure to meet deadlines
HIGH
Dealing and handling conflict
LOW
Competition for this position
HIGH
Communication with others
HIGH
Work closely with team members, clients etc.
HIGH
Comfort of the work setting
HIGH
Exposure to extreme environmental conditions
LOW
Exposure to job hazards
LOW
Physical demands
LOW
Daily tasks

Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.

Contact underwriter and submit forms to obtain binder coverage.

Confer with clients to obtain and provide information when claims are made on a policy.

Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.

Select company that offers type of coverage requested by client to underwrite policy.

Customize insurance programs to suit individual customers, often covering a variety of risks.

Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.

Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.

Calculate premiums and establish payment method.

Perform administrative tasks, such as maintaining records and handling policy renewals.

Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice.

MAIN ACTIVITIES
Establishing and Maintaining Interpersonal Relationships Developing constructive and cooperative working relationships with others, and maintaining them over time.
Getting Information Observing, receiving, and otherwise obtaining information from all relevant sources.
Selling or Influencing Others Convincing others to buy merchandise/goods or to otherwise change their minds or actions.
Interacting With Computers Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
Organizing, Planning, and Prioritizing Work Developing specific goals and plans to prioritize, organize, and accomplish your work.
Evaluating Information to Determine Compliance with Standards Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
Making Decisions and Solving Problems Analyzing information and evaluating results to choose the best solution and solve problems.
Performing for or Working Directly with the Public Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests.
AREAS OF KNOWLEDGE
Customer and Personal Service Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
Sales and Marketing Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.
English Language Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
Mathematics Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
Law and Government Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Transportation Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
Administration and Management Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
Education and Training Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
TOP SKILLS
Reading Comprehension Understanding written sentences and paragraphs in work related documents.
Active Listening Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Speaking Talking to others to convey information effectively.
Critical Thinking Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
Writing Communicating effectively in writing as appropriate for the needs of the audience.
Persuasion Persuading others to change their minds or behavior.
Time Management Managing one's own time and the time of others.
Service Orientation Actively looking for ways to help people.