FIND PERSONALIZED JOBS
Sign up to Zippia and discover your career options with your personalized career search.

Log In

Log In to Save

Sign Up to Save

Sign Up to Dismiss

or

The email and password you specified are invalid. Please, try again.

Email and password are mandatory

Forgot Password?

Don't have an account? Sign Up

reset password

Enter your email address and we will send you a link to reset your password.

Back to Log In

FIND
PERSONALIZED JOBS

Become A Health Insurance Agent

Where do you want to work?

To get started, tell us where you'd like to work.
Sorry, we can't find that. Please try a different city or state.

Working As A Health Insurance Agent

  • Selling or Influencing Others
  • Communicating with Persons Outside Organization
  • Performing for or Working Directly with the Public
  • Establishing and Maintaining Interpersonal Relationships
  • Getting Information
  • Deal with People

  • Mostly Sitting

  • Make Decisions

  • $48,200

    Average Salary

What Does A Health Insurance Agent Do

Insurance sales agents contact potential customers and sell one or more types of insurance. Insurance sales agents explain various insurance policies and help clients choose plans that suit them.

Duties

Insurance sales agents typically do the following:

  • Call potential clients in order to expand their own customer base
  • Interview prospective clients to get information about their financial resources and discuss existing coverage
  • Explain the features of various policies
  • Analyze clients’ current insurance policies and suggest additions or other changes
  • Customize insurance programs to suit individual clients
  • Handle policy renewals
  • Maintain electronic and paper records

Insurance sales agents commonly sell one or more types of insurance, such as property and casualty, life, health, and long-term care insurance.

Property and casualty insurance agents sell policies that protect people and businesses from financial loss resulting from automobile accidents, fire, theft, and other events that can damage property. For businesses, property and casualty insurance also covers workers’ compensation claims, product liability claims, or medical malpractice claims.

Life insurance agents specialize in selling policies that pay beneficiaries when a policyholder dies. Life insurance agents also sell annuities that promise a retirement income.

Health and long-term care insurance agents sell policies that cover the costs of medical care and assisted-living services in old age. They also may sell dental insurance and short-term and long-term disability insurance.

Agents may specialize in any one of these products or function as generalists providing multiple products.

An increasing number of insurance sales agents offer their clients—especially those approaching retirement—comprehensive financial-planning services. Such services include retirement planning, estate planning, and help in setting up pension plans for businesses. In addition to offering insurance, these agents may become licensed to sell mutual funds, variable annuities, and other securities. This practice is most common with life insurance agents who already sell annuities, but many property and casualty agents also sell financial products. For more information on agents who sell financial products, see the profile on securities, commodities, and financial services sales agents.

Many agents spend a lot of time marketing their services and creating their own base of clients. They do this in a variety of ways, including making “cold” sales calls to people who are not current clients.

Potential clients often use comparison shopping tools online to learn about different policies and obtain information from insurance companies. Clients can either purchase a policy directly from the website or contact the company to speak with a sales agent.

Insurance agents also find new clients through referrals by current clients. Keeping clients happy so that they recommend the agent to others is a key to success for insurance sales agents.

Insurance agents may work for a single insurance company or an insurance brokerage.

Captive agents are insurance sales agents who work exclusively for one insurance company. They can only sell policies provided by the company that employs them.

Independent insurance agents work for insurance brokerages, selling the policies of several companies. They match insurance policies for their clients with the company that offers the best rate and coverage.

Show More

Show Less

How To Become A Health Insurance Agent

Although most employers require agents to have a high school diploma, many agents have a bachelor’s degree. Agents must be licensed in the states where they work.

Education

A high school diploma is the typical requirement for insurance sales agents, although a bachelor’s degree can improve one’s job prospects. Public-speaking classes can be useful in improving sales techniques, and often agents will have taken courses in business, finance, or economics. Business knowledge is also helpful for sales agents hoping to advance to a managerial position.

Training

Insurance sales agents learn many of their job duties on the job from other agents. Many employers have new agents shadow an experienced agent. This practice allows the new agent to learn how to conduct the company’s business and to understand how the agency interacts with clients.

Employers also are increasingly placing greater emphasis on continuing professional education as the variety of financial products sold by insurance sales agents grows. Changes in tax laws, government benefits programs, and other state and federal regulations can affect the insurance needs of clients and the way in which agents conduct business. Agents can enhance their selling skills and broaden their knowledge of insurance and other financial services by taking courses at colleges and universities or by attending conferences and seminars sponsored by insurance organizations.

Licenses, Certifications, and Registrations

Insurance sales agents must have a license in the states where they work. Separate licenses are required for agents to sell life and health insurance and property and casualty insurance. In most states, licenses are issued only to applicants who complete specified courses and who pass state exams covering insurance fundamentals and state insurance laws. Most state licensing authorities also require agents to take continuing education courses focusing on insurance laws, consumer protection, ethics, and the technical details of various insurance policies.

As the demand for financial-planning services increases, many agents also choose to get licensed and certified to sell securities and other financial products. Licensing and certification requires substantial study time to pass an additional exam—either the Series 6 or Series 7 licensing exam, both of which are administered by the Financial Industry Regulatory Authority (FINRA). The Series 6 exam is for agents who want to sell only mutual funds and variable annuities. The Series 7 exam is the main FINRA series license, which qualifies agents as general securities sales representatives.

A number of organizations offer certifications that show an agent’s expertise in insurance specialties. These certifications are not required for employment, but they can give job candidates an advantage over other applicants. Certifications also can be a source of continuing education credit. For details on specific designations, contact The Institutes and The American College of Financial Services.

Important Qualities

Analytical skills. Insurance sales agents must evaluate the characteristics of each client to determine the appropriate insurance policy.

Communication skills. Insurance sales agents must be able to communicate effectively with customers by listening to their requests and suggesting suitable policies.

Initiative. Insurance sales agents need to actively seek out new customers to maintain a flow of commissions.

Self-confidence. Insurance sales agents should be confident when making “cold” calls (calls to prospective customers who have not been contacted before). They must speak clearly and persuasively and maintain their composure if rejected.

Show More

Show Less

Health Insurance Agent jobs

NO RESULTS

Aw snap, no jobs found.

Add To My Jobs

Health Insurance Agent Career Paths

Health Insurance Agent
Account Executive Territory Manager
Account Manager
5 Yearsyrs
Billing Specialist Accounts Receivable Specialist
Accounts Receivable Manager
6 Yearsyrs
Account Manager Account Executive Business Developer
Business Development Account Manager
8 Yearsyrs
Account Executive Sales Manager
Business Development Manager
9 Yearsyrs
Service Representative Account Manager Business Developer
Business Development Officer
7 Yearsyrs
Sales Consultant Sales Manager Office Manager
Business Office Manager
8 Yearsyrs
Service Representative Home Health Aid Call Center Representative
Call Center Manager
6 Yearsyrs
Insurance Sales Agent Service Representative Client Services Manager
Client Manager
6 Yearsyrs
Specialist Sales Specialist Territory Sales Manager
Commercial Sales Manager
8 Yearsyrs
Operations Manager Outside Sales Representative
Inside Sales Manager
7 Yearsyrs
Sales Manager Office Manager
Practice Manager
9 Yearsyrs
Account Manager Realtor
Property Management Specialist
6 Yearsyrs
Licensed Agent Sales Consultant Regional Sales Manager
Regional Accounts Manager
8 Yearsyrs
Sales Consultant Senior Sales Representative Account Executive
Relationship Manager
6 Yearsyrs
Billing Specialist Specialist Account Manager
Sales Account Manager
6 Yearsyrs
Office Manager Account Manager
Senior Account Manager
7 Yearsyrs
Sales Manager General Manager Account Executive
Senior Sales Executive
9 Yearsyrs
Operations Manager Branch Manager Account Manager
Territory Account Manager
8 Yearsyrs
Office Manager General Manager Account Executive
Territory Manager
7 Yearsyrs
Licensed Agent Sales Agent Sales Manager
Territory Sales Manager
7 Yearsyrs
Show More

Average Length of Employment
Insurance Broker 3.5 years
Commercial Agent 3.1 years
Licensed Agent 2.5 years
Insurance Agent 2.5 years
Field Agent 2.4 years
Agent 2.1 years
Sales Agent 2.0 years
Insurance Adviser 2.0 years
Insurance Producer 1.9 years
Top Employers Before
Cashier 6.1%
Manager 4.6%
Internship 3.2%
Server 3.0%
Agent 2.8%
Top Employers After
Agent 4.9%
Owner 4.6%
Manager 3.2%

Health Insurance Agent Demographics

Gender

Female

58.8%

Male

39.0%

Unknown

2.3%
Ethnicity

White

79.2%

Hispanic or Latino

11.1%

Asian

7.3%

Unknown

1.8%

Black or African American

0.6%
Show More
Languages Spoken

Spanish

53.8%

French

15.9%

Chinese

6.2%

Mandarin

5.5%

Carrier

3.4%

German

2.8%

Greek

2.1%

Italian

2.1%

Akan

0.7%

Bulgarian

0.7%

Portuguese

0.7%

Vietnamese

0.7%

Yoruba

0.7%

Cantonese

0.7%

Japanese

0.7%

Sami

0.7%

Hindi

0.7%

Hebrew

0.7%

Arabic

0.7%

Thai

0.7%
Show More

Health Insurance Agent Education

Schools

University of Phoenix

27.5%

Kaplan University

6.5%

Valencia College

5.3%

Temple University

4.5%

University of Central Florida

4.5%

Grand Canyon University

4.5%

University of South Florida

4.0%

University of North Carolina at Charlotte

4.0%

Broward College

3.6%

Liberty University

3.6%

Strayer University

3.6%

Northeastern University

3.6%

University of Alabama

3.2%

New York University

3.2%

Ashford University

3.2%

Miami Dade College

3.2%

Eastern Kentucky University

3.2%

Auburn University

2.8%

Georgia State University

2.8%

Montgomery County Community College

2.8%
Show More
Majors

Business

32.5%

Psychology

6.7%

Insurance

6.0%

Health Care Administration

5.9%

Marketing

4.4%

Accounting

4.4%

Nursing

4.2%

Finance

4.1%

Communication

4.0%

Criminal Justice

3.8%

Management

3.7%

General Studies

2.8%

Political Science

2.7%

Liberal Arts

2.6%

Education

2.4%

English

2.3%

Medical Assisting Services

2.3%

Legal Support Services

1.8%

Economics

1.7%

Computer Science

1.6%
Show More
Degrees

Bachelors

36.0%

Other

31.5%

Associate

12.4%

Masters

11.2%

Certificate

4.4%

License

2.2%

Doctorate

1.3%

Diploma

1.1%
Show More
Job type you want
Full Time
Part Time
Internship
Temporary

Top Skills for A Health Insurance Agent

HealthInsuranceProductsMedicareAdvantagePlansLifeInsuranceProductsCustomerServiceFinancialResourcesLifeInsurancePoliciesHealthInsurancePlansMedicareSupplementsPotentialClientsInsuranceCompaniesNewClientsDisabilityInboundCallsPrescriptionDrugPlansAnnualEnrollmentPeriodTermCareMarketplaceDataEntryOutboundCallsHumana

Show More

Top Health Insurance Agent Skills

  1. Health Insurance Products
  2. Medicare Advantage Plans
  3. Life Insurance Products
You can check out examples of real life uses of top skills on resumes here:
  • Managed sales of health insurance products to consumers and small groups.
  • Educated and enrolled Medicare eligible members in Medicare Advantage plans and supplemental benefits
  • Reviewed current coverage and perform any and all transactions necessary to provide superior customer service experience.
  • Interview prospective clients to obtain data about their financial resources, needs, and to discuss any existing coverage.
  • Personalize life insurance policies for individuals based on their needs, budget and eligibility for underwritten products.

Top Health Insurance Agent Employers

Health Insurance Agent Videos

Health Insurance Agents, Navigators and Obamacare: Who Can Help You Do What? Promo

Insurance Agents : How Much Money Does an Insurance Agent Earn?

Looking for a career in insurance?

×