Insurance Agent Job Description: Top Duties and Qualifications

An Insurance Agent, or Insurance Sales Agent, assists clients in selecting insurance policies that best meets their needs, preferences and budgets. Their main duties include creating client payment methods, recommending risk management strategies to clients and providing policy proceeds after clients’ submitted claims are approved.

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Insurance Agent duties and responsibilities

Insurance Agents use strongly developed interpersonal skills to increase the number of insurance policies an agency sells. Insurance Agents have the following responsibilities:

  • Promote the insurance agency to customers who need insurance
  • Network with potential customers
  • Educate customers on each type of insurance coverage and make recommendations based on their needs
  • Evaluate current insurance policies and recommend additional coverage when needed
  • Maintain all insurance documents in a confidential way

Insurance Agent Job Description Examples

 

Example 1

We are looking for a competitive insurance agent to generate new business by contacting potential customers. You will sell, solicit, differentiate and negotiate insurance plans that match the needs of your assigned or prospective customers’ portfolio. The goal is to build up strong positive relationships, to ensure growth attainment and increase our firm’s reputation. *Responsibilities* * Develop marketing strategies and promote all types of new insurance contracts or suggest additions/changes to existing ones * Breed productive relationships to create a pool of prospective clients from various sources by networking, cold calling, using referrals etc * Evaluate business or individual customers’ needs and financial status and propose protection plans that meet their criteria * Work with clients to deliver risk management strategies that fit their risk profiles * Report the progress of monthly/quarterly initiatives to stakeholders * Maintain bookkeeping systems, database and records * Monitor insurance claims to ensure mutual satisfaction * Achieve customer acquisition and revenue growth objectives * Constantly update job knowledge and learn about new products and services * Fulfill all policy requirements *Skills* * Proven working experience as an Insurance agent or relevant experience * Familiarity with all types of insurance plans (automobile, fire, life, property, medical etc) * Basic computer knowledge and statistical analysis * Proven ability to work with goals * Demonstrated ability to communicate, present, influence and sell effectively * Experience in delivering client-focused solutions and in creating long-lasting relationships * High school or BS degree Job Type: Full-time Pay: $15.00 - $18.00 per hour Benefits: * Health insurance * Life insurance * Paid time off Schedule: * 8 hour shift Supplemental Pay: * Bonus pay * Commission pay * Insurance Producer License (Preferred) * Life Insurance License (Preferred) Work Location: One location

Example 2

We are looking for a competitive insurance agent to generate new business by contacting potential customers. You will sell, solicit, differentiate and negotiate insurance plans that match the needs of your assigned or prospective customers’ portfolio. The goal is to build up strong positive relationships, to ensure growth attainment and increase our firm’s reputation. *Responsibilities* * Develop marketing strategies and promote all types of new insurance contracts or suggest additions/changes to existing ones * Breed productive relationships to create a pool of prospective clients from various sources by networking, cold calling, using referrals etc * Evaluate business or individual customers’ needs and financial status and propose protection plans that meet their criteria * Work with clients to deliver risk management strategies that fit their risk profiles * Report the progress of monthly/quarterly initiatives to stakeholders * Maintain bookkeeping systems, database and records * Monitor insurance claims to ensure mutual satisfaction * Achieve customer acquisition and revenue growth objectives * Constantly update job knowledge and learn about new products and services * Fulfill all policy requirements *Skills* * Proven working experience as an Insurance agent or relevant experience * Familiarity with all types of insurance plans (automobile, fire, life, property, medical etc) * Basic computer knowledge and statistical analysis * Proven ability to work with goals * Demonstrated ability to communicate, present, influence and sell effectively * Experience in delivering client-focused solutions and in creating long-lasting relationships * High school or BS degree Job Type: Full-time Pay: $2,000.00 - $4,000.00 per month Schedule: * Monday to Friday Supplemental Pay: * Commission pay * Insurance Producer License (Preferred) Work Location: One location

Example 3

We are looking for a competitive insurance agent to generate new business by contacting potential customers. You will sell, solicit, differentiate and negotiate insurance plans that match the needs of your assigned or prospective customers’ portfolio. The goal is to build up strong positive relationships, to ensure growth attainment and increase our firm’s reputation. *Responsibilities* * Develop marketing strategies and promote all types of new insurance contracts or suggest additions/changes to existing ones * Breed productive relationships to create a pool of prospective clients from various sources by networking, cold calling, using referrals etc * Evaluate business or individual customers’ needs and financial status and propose protection plans that meet their criteria * Work with clients to deliver risk management strategies that fit their risk profiles * Report the progress of monthly/quarterly initiatives to stakeholders * Maintain bookkeeping systems, database and records * Monitor insurance claims to ensure mutual satisfaction * Achieve customer acquisition and revenue growth objectives * Constantly update job knowledge and learn about new products and services * Fulfill all policy requirements *Skills* * Proven working experience as an Insurance agent or relevant experience * Familiarity with all types of insurance plans (automobile, fire, life, property, medical etc) * Basic computer knowledge and statistical analysis * Proven ability to work with goals * Demonstrated ability to communicate, present, influence and sell effectively * Experience in delivering client-focused solutions and in creating long-lasting relationships * High school or BS degree Job Types: Full-time, Part-time, Contract Pay: $29,987.00 - $98,166.00 per year Schedule: * Monday to Friday Supplemental Pay: * Bonus pay * Commission pay Ability to commute/relocate: * East Lansing, MI 48823: Reliably commute or planning to relocate before starting work (Preferred) * Insurance Producer License (Preferred) * Life Insurance License (Preferred) Work Location: One location

Example 4

*Full Job Description* Sales Associate Accurate Ins. Services Inc. Established 1992. Are you looking for a new opportunity to maximize your skills and help others? Working for an Independent Insurance Agency is your answer! This is NOT your typical sales job. Accurate Insurance strives to provide excellent service to customers by assisting them with their insurance and financial services needs. Insurance Sales Producer opportunities are for true sales and customer-oriented individuals. In an agency staff position you will have the opportunity to work individually and focus on providing insurance and financial products to help customers protect their homes, cars, lives and retirement incomes. *Duties Include: * .Prospecting and generating new business through leads and referrals. NO cold calling. .Generating es .Cross-selling Insurance products with new or existing customers .Conducting policy reviews and policy updates .Maintain up-to-date knowledge of products and regulations *Shift: * Monday-Friday: 9am-6pm *Requirements*: .Have an active Property and Casualty (or Personal Lines) Insurance License in the following states: Illinois .Excellent communication skills .Excellent organizational skills .Ability to develop and maintain customer relationships .Ability to answer customer questions and handle customer rejections. *Compensation: * .Base Pay .Commission/Bonus Pay *Benefits Available: * .Paid Time Off .Health Insurance .IRA *Job Type: Full-time * *Supplemental Pay: * .Commission pay * . Property & Casualty License (Required) Work Location: Rockford, IL Job Type: Full-time Schedule: * 8 hour shift * Monday to Friday * Weekend availability Work Location: One location

Example 5

*This is a truly rewarding position that offers one of the strongest compensation structures in the industry, flexible schedules with no nights, weekends or holidays. Are you sick of looking for a job, and ready for a career?* We are seeking to bring on 3 new motivated individuals to our team. Are you enthusiastic, career-minded, and motivated? You might be a great fit to our team. We have multiple positions to fill- Account Retention Specialists, Coordinators In Training, and Aflac Benefit Coordinator positions are now available. The Aflac Insurance Agent works directly with business owners to deliver voluntary healthcare and other benefits for their employees. It’s a key role from a well-known brand that helps business owners ensure their employees can receive direct cash benefits should medical events occur. $3,000-$4,000 Bonus Potential in First 3 Months No experience necessary. All career backgrounds are welcome! Training is provided with Aflac Sales Academy world-class training program. Top-Notch Benefits: Benefits include stock bonus program, bonus rewards and exotic trips. Compensation is discussed in detail with the hiring manager during the interview process. However, it is a combination structure that includes Commission, Residuals, Bonuses, and Stocks. *_We are the duck. We inspire and are inspired, listen and respond, empower our people, give back to our community, and most importantly, celebrate every success along the way. We do it all ... The Aflac Way._* *_Our business is about being there for people in need. So, ask yourself - are you the duck? If so, there's a home - and a flourishing career - for you at Aflac._* Job Types: Full-time, Part-time Pay: $30,000.00 - $65,000.00 per year Job Types: Full-time, Part-time Pay: $30,000.00 - $60,000.00 per year Schedule: * Monday to Friday Work Location: Multiple Locations

What does an Insurance Agent do?

Insurance Agents work for different insurance agencies helping clients sign up for policies that work best for their lifestyle. They can work either one-on-one with individuals on creating insurance policies, or they collaborate with business professionals to develop ideal policies for groups of employees. 

Insurance Agents are often responsible for finding their own clients through methods like cold calling, contacting referrals and networking. They work to build a consistent relationship with clients by regularly renewing and updating their policy according to the clients’ needs and lifestyle changes. After they’ve worked with clients for a while, Insurance Agents will provide detailed reports on how well the policy is performing and any progress being made.

Insurance Agent skills and qualifications

Insurance Agents will usually have certain prerequisite skills and qualifications which include:

  • The primary responsibility of an Insurance Agent is to sell insurance policies. Good sales skills will assist the Insurance Agent in meeting sales goals and increasing their customer base.
  • Written and verbal communication skills are crucial when working as an Insurance Agent. Insurance Agents will need to develop relationships, educate and communicate with customers frequently.
  • Analytical skills will also assist the Insurance Agent when calculating premiums and deductibles. The ability to quickly add, subtract, divide and multiply percentages will help the Insurance Agent when educating the customer.
  • A good amount of patience is important when working as an Insurance Agent. Insurance Agents may need to wait until potential customers are ready to renew their package or until their insurance needs to be changed.

Insurance Agent salary expectations

An Insurance Agent makes an average of $60,133 per year. Salary may depend on level of experience, education and the geographical location. 

Insurance Agent education and training requirements

A minimum of a high school diploma is often required to work as an Insurance Agent. Some Insurance Agents may pursue an associate’s or bachelor’s degree in sales, marketing or business administration. Insurance Agents are required to become licensed with their state. Each state requires that candidates complete pre-licensing hours before taking the licensing exam. Additionally, Insurance Agents will need to complete these requirements for each type of insurance they want to sell. Continuing education is also required to maintain an insurance license.

Insurance Agent experience requirements

Previous experience may or may not be required when working as an Insurance Agent. Some hiring managers may prefer to hire entry-level Insurance Agents who have recently completed the licensing exam, while other hiring managers prefer to hire Insurance Agents with previous experience selling insurance policies. Additionally, some Insurance Agents may have prior experience working in the insurance industry, but in a different role such as an underwriter, claims adjuster or in risk management.

Job description samples for similar positions

If you are looking to hire for a similar role, then you might find this related description sample to be useful:

Frequently asked questions about Insurance Agents

 

Do Insurance Agents have different responsibilities in different industries?

Insurance Agents can work in a wide variety of industries and their responsibilities typically vary depending on their work setting. Some Insurance Agents work in the health care industry selling policies to cover various medical care costs. They may also work specifically with assisted living patients and their family, finding the best policies for senior citizens. Others work in the dental insurance field, offering the best dental care policies to employees and individuals. 

There are also Insurance Agents who work primarily on finding clients coverage for property damage. They’ll work with businesses and individuals to build policies to protect them from any financial loss that could occur from damages to their homes or vehicles due to natural causes or car accidents. 

 

What are the different types of Insurance Agents?

There are many different types of Insurance Agents that specialize in certain insurance policies. Life Insurance Agents work primarily on selling policies to family members or beneficiaries when certain policyholders pass away. Captive Agents work specifically for one company selling their specific insurance policies to prospective buyers. 

Independent Insurance Agents work for several different insurance brokerages, offering a wide variety of policies from various companies. They often have more freedom to customize their policies based on the needs and preferences of their clients. 

 

What makes a good Insurance Agent?

A good Insurance Agent must have strong customer service and communication abilities, as they regularly work closely with clients to determine their needs to find the best policies. They must also use their negotiation skills to convince clients to pick a policy that works best for both them and the insurance company. Insurance Agents have strong organizational abilities as well to effectively store and manage clients’ policies and personal information. 

 

What's the difference between an Insurance Agent and a Broker?

Though they both help clients select the best insurance policy for them, an Insurance Agent and an Insurance Broker hold different responsibilities. Insurance Agents work for and represent specific insurance companies selling their policies to interested clients. Insurance Brokers represent their clients when searching for the best insurance policy that matches their needs and budget. 

Brokers are often committed more to the client and don’t work directly for the insurance companies, so they’re unable to complete the insurance transaction on their own. They usually work with the client to find the best plan for them, then they’ll reach out to the Insurance Agent to complete the final transaction. 

Job Description Examples

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