Insurance Sales AgentJob Description, Salary, Career Path, and Trends
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.
Los Angeles, California
Minneapolis-St. Paul, Minnesota
New York City, New York
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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