Insurance Sales Agents


Also called : Insurance Agent, Insurance Broker, Insurance Sales Agent, Sales Agent, Sales Associate, Sales Representative, Underwriting Sales Representative

What they do


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.

On the job, one would


  • Customize insurance programs to suit individual customers, often covering a variety of risks.

  • 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.

  • Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.

  • Perform administrative tasks, such as maintaining records and handling policy renewals.

  • Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.

KNOWLEDGE


  • Customer and Personal Service
    Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

  • Sales and Marketing
    Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

  • English Language
    Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

  • Mathematics
    Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

SKILLS


  • Reading Comprehension
    Understanding written sentences and paragraphs in work-related documents.

  • Active Listening
    Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

  • Speaking
    Talking to others to convey information effectively.

  • Critical Thinking
    Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.

  • Persuasion
    Persuading others to change their minds or behavior.

ABILITIES


  • Oral Comprehension
    The ability to listen to and understand information and ideas presented through spoken words and sentences.

  • Oral Expression
    The ability to communicate information and ideas in speaking so others will understand.

  • Written Comprehension
    The ability to read and understand information and ideas presented in writing.

  • Speech Clarity
    The ability to speak clearly so others can understand you.

  • Speech Recognition
    The ability to identify and understand the speech of another person.

PERSONALITY

People interested in this work, will do well at jobs that need;

  • Integrity
    Job requires being honest and ethical.

  • Independence
    Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.

  • Attention to Detail
    Job requires being careful about detail and thorough in completing work tasks.

  • Achievement/Effort
    Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks.

  • Dependability
    Job requires being reliable, responsible, and dependable, and fulfilling obligations.

  • Initiative
    Job requires a willingness to take on responsibilities and challenges.

  • Self-Control
    Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.

  • Adaptability/Flexibility
    Job requires being open to change (positive or negative) and to considerable variety in the workplace.

  • Persistence
    Job requires persistence in the face of obstacles.

  • Stress Tolerance
    Job requires accepting criticism and dealing calmly and effectively with high-stress situations.

TECHNOLOGY

  • Calendar and scheduling software

  • Customer relationship management CRM software

  • Data base user interface and query software

  • Document management software

  • Electronic mail software

  • Enterprise resource planning ERP software

  • Financial analysis software

  • Instant messaging software

  • Internet browser software

  • Medical software

  • Office suite software

EDUCATION AND TRAINING

  • Preparation

    Considerable Preparation Needed

  • Education

    Four-year bachelor degree

  • Experience

    A considerable amount of work-related skill, knowledge, or experience is needed for these occupation

  • Jobtraining

    Employees in these occupations usually need several years of work-related experience, on-the-job training, and/or vocational training.

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