Insurance Sales Agent Job Descriptions, Average Salary, Interview Questions

Insurance sales agents and representatives meet with clients, determine their insurance needs, and then present policies and coverage options to meet those needs. An insurance sales agent is the intermediary between the insurance company and the customer. Some agents specialize in insurance, such as auto, home, health, or life insurance, or sell several different types of coverage.

An insurance sales agent must be adept at verbal and written communication and relationship-building. They must develop and maintain a network of prospects for new policies, and influence existing clients to renew their insurance plans. Also, candidates must obtain licensing from their state to sell insurance. 

Sample job description #1


  • Identify, qualify, and develop insurance opportunities and prospective clients
  • Foster and maintain excellent relationships with clients and prospects through regular follow-up, accurate and timely quotations, and general account support
  • Obtain best coverage for insured, process quotes, and bind insurance coverage; follow up as necessary with inspection, photos, and other documentation. Present policies to insured and educate them on coverages and rates
  • Support and prepare clients for renewal and retention
  • Anticipate, respond to, and follow up on all existing client needs
  • Monitor, review, and report on key metrics to ensure sales targets are achieved and execute sales activity documentation in a timely, accurate, and professional manner
  • Maintain CE and participate in ongoing education and keep informed regarding industry information, new product information, legislation, coverages, and technology to continuously improve knowledge and performance


  • Demonstrate strong knowledge of insurance products and usages, rating procedures, underwriting procedures, coverages, and industry operations to effectively secure new business and maintain an existing client base
  • Have a proven track record of business-to-business sales success
  • Possess strong presentation, persuasion, and negotiation skills with the ability to close sales
  • Be people-oriented, customer-focused, and professionally assertive in developing new client relationships and servicing existing clients
  • Demonstrate strong professional networking skills by being consistently active in the community, local networking groups, and other professional business development opportunities

Sample job description #2

Essential duties and responsibilities

  • Prepare to become a licensed agent through attending appropriate courses, self-study, participation in training activities, and job shadowing of agents to learn skills and accumulate experience
  • Provide general clerical and administrative support to staff including handling inbound and outbound phone calls, reports, filing, researching and gathering information, and maintaining overall appearance of sales office
  • Assist customers with general questions, receive customer payments, issue receipts, and verify balance/daily reports of receipts for cash drawers
  • Complete marketing and sales related activities which further the Direct Auto brand in the local market (outbound marketing calls, car dealerships visits, local events, distribution of flyers, etc.)
  • Contact customers regarding account status and renewals
  • Meet and exceed sale’s goals through new product sales, cross selling, and retention of current customers
  • Implement marketing programs and initiatives which further the Direct Auto brand in the local market (car dealerships, local events, etc.)
  • Build and maintain relationships with community organizations and local business
  • Develop and manage customer relationships and serve as a resource to customers and potential customers on all Direct Auto products and services
  • Responsible for monitoring key competitors in the local market area and making suggestions on initiatives that could improve Direct Auto’s position in the marketplace
  • Understand, promote, and remain current on company underwriting guidelines, announcements, and memos related to changes in company policies and procedures
  • Responsible for sales administration and reporting activities

Minimum skills and competencies

  • High school diploma or GED
  • Demonstrated ability to provide excellent customer service and develop and maintain customer relationships
  • Experience or strong willingness to develop key relationships and market our products within community organizations and the local business community
  • Valid U.S. State-issued driver’s license
  • Strong computer skills and working knowledge of MS Office applications
  • Highly motivated to market and sell in multi-product environment where cross selling and customer retention is essential to sales budget attainment
  • Must possess effective verbal and written communication skills

Sample job description #3

We’re looking for a charismatic, driven individual that has a natural sales ability and a go-getter mentality with a desire to help others. If this sounds like you then come join our team!

What you’ll need

  • MUST HAVE 1 year of insurance experience. All other candidates will not be considered.
  • 2-20 or 4-40 Insurance License is required
  • Highly motivated and strong closing skills
  • Excellent verbal and written communication/interpersonal skills
  • Be organized and efficient
  • Ability to multitask and work well under pressure
  • Maintain a positive and self-motivated attitude
  • Bilingual/Spanish a plus (not a requirement)

What you’ll do

  • Work a high volume of leads daily
  • Prepare insurance quotes and close sales
  • Meet new business production goals
  • Stay up to date with and follow all underwriting and compliance requirements
  • Ensure a positive customer experience
  • Help protect customers by offering insurance and financial products that will meet their needs

Average salary and compensation

The average salary for an insurance sales agent is $51,650 in the United States. While only base salaries are reflected here, commissions and bonuses may greatly increase total compensation. Additionally, salaries will vary based on experience, company size, industry, and geographic market.

LocationSalary LowSalary High
Phoenix, Arizona$51,400$69,500
Los Angeles, California$57,950$78,400
Denver, Colorado$48,300$65,350
Washington, DC$58,850$79,600
Miami, Florida$48,100$65,050
Orlando, Florida$44,350$60,000
Tampa, Florida$44,800$60,600
Atlanta, Georgia$47,000$63,600
Chicago, Illinois$54,000$73,050
Boston, Massachusetts$58,400$79,000
Minneapolis-St. Paul, Minnesota$46,550$62,950
New York City, New York$61,500$83,150
Philadelphia, Pennsylvania$50,050$67,700
Dallas, Texas$48,750$65,950
Houston, Texas$48,300$65,350
Seattle, Washington$56,200$76,050
National Average$43,900$59,400

Sample interview questions

  • What are the most important qualities an insurance sales representative can have?
  • How familiar are you with the different insurance companies?
  • Do you have an insurance license?
  • I will make objections to the insurance you are trying to sell me. Demonstrate how you will overcome these objections.
  • Are you certified as an insurance sales representative, or do you have certifications of similar use?
  • If a customer is unsatisfied, how will you resolve this issue?

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