Insurance Sales Agent Career

Job 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.


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Insurance Sales Agent Career

What Insurance Sales Agents do:

  • Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
  • Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
  • Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
  • Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
  • 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.
  • Perform administrative tasks, such as maintaining records and handling policy renewals.
  • 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.
  • Calculate premiums and establish payment method.
  • Customize insurance programs to suit individual customers, often covering a variety of risks.
  • Select company that offers type of coverage requested by client to underwrite policy.
  • Develop marketing strategies to compete with other individuals or companies who sell insurance.
  • Contact underwriter and submit forms to obtain binder coverage.
  • Confer with clients to obtain and provide information when claims are made on a policy.
  • Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
  • Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
  • Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
  • Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
  • Plan and oversee incorporation of insurance program into bookkeeping system of company.
  • Install bookkeeping systems and resolve system problems.

What work activities are most important?

Importance Activities

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.

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

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

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

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.

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

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.

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

Estimating the Quantifiable Characteristics of Products, Events, or Information - Estimating sizes, distances, and quantities; or determining time, costs, resources, or materials needed to perform a work activity.

Holland Code Chart for an Insurance Sales Agent