Insurance Sales Agents :: Job Description

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Insurance Sales Agents

Careers / Insurance Sales Agents

Summary Description


	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.

Sample Job Titles

1.	Account Executive

2.	Account Leader

3.	Account Manager

4.	Account Representative

5.	Account Specialist

6.	Accounts Executive

7.	Agent

8.	Bond Writer

9.	Broker

10.	Burial Agent

11.	Business Account Leader

12.	Commercial Lines Insurance Agent

13.	Compensation Agent

14.	Contact Person

15.	Contact Worker

16.	Customer Service Representative (CSR)

17.	Debit Agent

18.	District Agent

19.	District Sales Coordinator

20.	Enrollment Specialist

21.	Estate Planner

22.	Field Marketing Representative

23.	Field Representative

24.	Field Service Representative

25.	Financial Representative

26.	Group Insurance Special Agent

27.	Group Insurance Specialist

28.	Group Leader

29.	Health Insurance Sales Agent

30.	Health Insurance Specialist

31.	Home Office Representative

32.	Inside Sales Representative

33.	Insurance Agent

34.	Insurance Broker

35.	Insurance Representative

36.	Insurance Sales Agent

37.	Insurance Salesman

38.	Insurance Salesperson

39.	Insurance Solicitor

40.	Insurance Special Agent

41.	Insurance Underwriter, Sales

42.	Licensed Insurance Sales Agent

43.	Life Insurance Agent

44.	Life Insurance Salesperson

45.	Network Contractor

46.	Organizer

47.	Outside Sales Representative

48.	Pension Agent

49.	Placer

50.	Policy Writer, Sales

51.	Producer

52.	Representative

53.	Sales Agent

54.	Sales Associate

55.	Sales Representative

56.	Sales Special Agent

57.	Sales Specialist

58.	Selling Underwriter

59.	Service Representative

60.	Solicitor

61.	Strategic Account Executive

62.	Surety Bond Agent

63.	Underwriting Sales Representative

Job Tasks

	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. Sell products or services.

	Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage. Gather customer or product information to determine customer needs.

	Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries. Explain financial information to customers. Customize financial products or services to meet customer needs.

	Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients. Identify potential customers. Develop professional relationships or networks.

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

	Customize insurance programs to suit individual customers, often covering a variety of risks. Customize financial products or services to meet customer needs.

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

	Calculate premiums and establish payment method. Calculate costs of goods or services. Process sales or other transactions.

	Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk. Examine condition of property or products.

	Perform administrative tasks, such as maintaining records and handling policy renewals. Maintain records of sales or other business transactions. Take product orders from customers.

	Select company that offers type of coverage requested by client to underwrite policy. Customize financial products or services to meet customer needs.

	Develop marketing strategies to compete with other individuals or companies who sell insurance. Develop marketing plans or strategies.

	Contact underwriter and submit forms to obtain binder coverage. Prepare sales or other contracts.

	Confer with clients to obtain and provide information when claims are made on a policy. Gather customer or product information to determine customer needs. Explain financial information to customers.

	Monitor insurance claims to ensure they are settled equitably for both the client and the insurer. Review accuracy of sales or other transactions.

	Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts. Attend events to develop professional knowledge. Study product information to acquire professional knowledge.

	Plan and oversee incorporation of insurance program into bookkeeping system of company.

	Install bookkeeping systems and resolve system problems.

	Explain necessary bookkeeping requirements for customer to implement and provide group insurance program. Explain financial information to customers.

Work Activities

Importance	Work Activity

Selling or Influencing Others — Convincing others to buy merchandise/goods or to otherwise change their minds or actions.

Communicating with Persons Outside Organization — Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.

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.

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.

Making Decisions and Solving Problems — Analyzing information and evaluating results to choose the best solution and solve problems.

Resolving Conflicts and Negotiating with Others — Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.

Updating and Using Relevant Knowledge — Keeping up-to-date technically and applying new knowledge to your job.

Identifying Objects, Actions, and Events — Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.

Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work.

Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.

Interacting With Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.

Scheduling Work and Activities — Scheduling events, programs, and activities, as well as the work of others.

Developing Objectives and Strategies — Establishing long-range objectives and specifying the strategies and actions to achieve them.

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.

Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.

Analyzing Data or Information — Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.

Interpreting the Meaning of Information for Others — Translating or explaining what information means and how it can be used.

Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.

Monitor Processes, Materials, or Surroundings — Monitoring and reviewing information from materials, events, or the environment, to detect or assess problems.

Assisting and Caring for Others — Providing personal assistance, medical attention, emotional support, or other personal care to others such as coworkers, customers, or patients.

Judging the Qualities of Things, Services, or People — Assessing the value, importance, or quality of things or people.

Thinking Creatively — Developing, designing, or creating new applications, ideas, relationships, systems, or products, including artistic contributions.

Training and Teaching Others — Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others.

Provide Consultation and Advice to Others — Providing guidance and expert advice to management or other groups on technical, systems-, or process-related topics.

Performing Administrative Activities — Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.

Coaching and Developing Others — Identifying the developmental needs of others and coaching, mentoring, or otherwise helping others to improve their knowledge or skills.

Developing and Building Teams — Encouraging and building mutual trust, respect, and cooperation among team members.

Coordinating the Work and Activities of Others — Getting members of a group to work together to accomplish tasks.

Inspecting Equipment, Structures, or Material — Inspecting equipment, structures, or materials to identify the cause of errors or other problems or defects.

Guiding, Directing, and Motivating Subordinates — Providing guidance and direction to subordinates, including setting performance standards and monitoring performance.

Monitoring and Controlling Resources — Monitoring and controlling resources and overseeing the spending of money.

Nature of the Work


	(Abstract from Career Articles)

	Insurance Sales Agents
	Insurance sales agents contact potential customers and sell one or more types of insurance. Insurance sales agents explain various insurance policies and help clients choose plans that suit them.

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Working Conditions


	(Abstract from Career Articles)

	Insurance Sales Agents
	Although most insurance sales agents work for insurance agencies and brokerages, both of which sell the policies of several companies, some work directly for a single insurance company. Most insurance sales agents work in offices, although some may spend time traveling to meet with clients.

	Read More >>

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