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Insurance Agent Interview Questions

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  1. Potential insurance buyers often refuse to purchase what an insurance agent is selling the first time around. How you might persuade them otherwise? See answer
  2. Many clients call or meet with us to get clarification on specific aspects of our policies. How would you help them understand these things? See answer
  3. You may have to bargain with some buyers. How would you deal with unprofitable negotiation terms? See answer
  4. Depending on the kinds of projects you’ll be doing for us, we may need you to handle some self-promotion and advertising. What techniques would you use? See answer
  5. You’ll have to learn to ask the right questions when it comes to finding out the needs of clients. How can you do this? See answer
  6. What would you do if you were about to make a sale, but the potential customer asked an insurance question that you didn’t have the answer for?
  7. What is your process for qualifying a lead before approaching them with a pitch about your insurance offerings?
  8. It is important for insurance agents to know how they compare to competitors. How do you stay aware of the plans and specials that other insurance companies currently offer?
  9. Are you comfortable cold calling unqualified sales leads?
  10. How do you discuss complex risk management concepts and topics with the average buyer?
  11. What methods do you use to track insurance claims and communicate with your clients about their progress?
  12. How do you maintain a strong relationship with all of your current clients to encourage policy renewals and prevent customer attrition?
  13. What digital marketing methods would you use to educate potential customers about our insurance offerings?
  14. Have you ever turned away a potential customer, and if so, why?
  15. What timeline do you use to follow up when customers request additional information about an insurance plan?
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6 Insurance Agent Interview Questions and Answers

Q:

Potential insurance buyers often refuse to purchase what an insurance agent is selling the first time around. How you might persuade them otherwise?

A:

Your company may deal with some reluctant clients from time to time. However, many people are simply unsure about the types of insurance they might need or want, or they do not understand enough to feel comfortable making an informed decision. This question tests your potential hire’s ability to be persistent when it comes to selling and gives you insight into their process. What to look for in an answer:

  • Personality traits that speak to persistence
  • Strategies for dealing with reluctant clients
  • Focus on company goals and values
Example:

“I’ve been in the client’s position before and know how it feels to be unsure. When someone says no, I gently remind them that we are here to help and take stress away. I highlight the importance and value of specific plans we offer.”

Q:

Many clients call or meet with us to get clarification on specific aspects of our policies. How would you help them understand these things?

A:

Insurance plans can be technical and confusing. You want an agent who is able to explain concepts in plain language so that clients feel comfortable staying with your company. This question tests the potential hire’s specific knowledge of your policies. It also shows you their powers of reasoning and the communication skills that they have. What to look for in an answer:

  • Good communication skills and personality
  • Knowledge of any potentially confusing aspects of policies offered
  • Methods for clarifying terms simply
Example:

“I’m already familiar with many of the finer points of basic insurance plans thanks to my previous job. No matter how long it takes, I like to help people understand how our policies work for them. Breaking down technical jargon is a useful technique.”

Q:

You may have to bargain with some buyers. How would you deal with unprofitable negotiation terms?

A:

A few of your customers may try to get deals on the insurance plans that you offer. While this is a normal part of the business, some of those negotiations might involve prices or terms that are detrimental to your company. A good insurance agent is able to bargain with clients while making sure that the specific aspects of the plan don’t result in financial losses. What to look for in an answer:

  • Strategies for dealing with clients who haggle
  • Knowledge of what the agent is allowed to offer
  • Willingness to learn more
Example:

“I took a course on negotiation and sales tactics before I got into the insurance business. I understand some of the primary techniques people use to drive bargains. There are specific counters to use here, and studying company policy means that I can change terms while staying within appropriate guidelines.”

Q:

Depending on the kinds of projects you’ll be doing for us, we may need you to handle some self-promotion and advertising. What techniques would you use?

A:

Insurance agents are salespeople at their cores. You want a potential hire who is able to sell themselves as much as the company or its policies. This question helps you see how the new agent will promote themselves and if their personality is a good fit. What to look for in an answer:

  • Personality traits relevant to sales
  • Strategies to promote policies without being pushy
  • Ability to work independently
Example:

“I enjoy taking initiative and working on my own. However, I also understand that selling insurance is a delicate balance. Being pushy can turn customers off. I take a strategic approach and highlight the most positive aspects when promoting a company.”

Q:

You’ll have to learn to ask the right questions when it comes to finding out the needs of clients. How can you do this?

A:

This question is important in helping you understand a bit about the experience the potential hire has. Skilled insurance agents are able to provide probing queries to assess a client’s needs. This way, the candidate is able to see what kinds of plans might work for the person to whom they are selling. You can use this question to gauge the agent’s thought process as well. What to look for in an answer:

  • Indicators of experience in the field
  • Analytical skills that allow the agent to find valid questions
  • Understanding of available plans
Example:

“I would start by asking them about insurance plans they might already have and how they work. Based on their answers, I can formulate questions that will expose the shortfalls of those plans compared to ours, and then highlight the key benefits of switching all of their insurance to us.”

Q:

What would you do if you were about to make a sale, but the potential customer asked an insurance question that you didn't have the answer for?

A:

Insurance Agents need to be highly knowledgeable about the plans that they offer, and many Insurance Agents rely on their ability to educate the consumer when making sales. Customers may still come up with questions that the Insurance Agent are unsure about. Interviewers can ask this question to discover how the candidate would balance the need to make a sale with their responsibility to inform the customer. Look for these characteristics of a good answer:

  • Research skills
  • Honesty
  • Follow-up
Example:

"Although I would be eager to close the sale, I wouldn't want to accidentally give out incorrect information by making a guess and eventually losing the customer's trust. I'd praise them for asking thoughtful questions about their future, and explain that I would happily research the question and get back to them. Regardless of whether I closed the sale then or called them back after learning the answer, I would research the answer so I could be more prepared if another client had similar concerns."

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    Last updated: Apr 21, 2021