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Health insurance agent vs licensed insurance producer

The differences between health insurance agents and licensed insurance producers can be seen in a few details. Each job has different responsibilities and duties. Additionally, a licensed insurance producer has an average salary of $66,026, which is higher than the $49,934 average annual salary of a health insurance agent.

The top three skills for a health insurance agent include HIPAA, health insurance and customer service. The most important skills for a licensed insurance producer are work ethic, lead generation, and annuities.

Health insurance agent vs licensed insurance producer overview

Health Insurance AgentLicensed Insurance Producer
Yearly salary$49,934$66,026
Hourly rate$24.01$31.74
Growth rate6%6%
Number of jobs112,23554,872
Job satisfaction--
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 57%
Average age4646
Years of experience--

What does a health insurance agent do?

Health Insurance Agents are salespeople whose primary product is health insurance. Insurance companies hire them to reach sales targets. They are trained to sell insurance to individuals or groups of people. They are expected to be familiar with all the products of the company. Health Insurance Agents should assess their clients' needs and recommend the best health insurance product that fits their needs. They should be able to explain the product's features and answer any inquiries that the clients may have. Health Insurance Agents should also know how to compute insurance premiums and estimate payouts.

What does a licensed insurance producer do?

An Insurance producer, also called an insurance agent that promotes and sells insurance benefits and packages to clients. This includes life insurance, property, and health insurance that is offered by not only one company. They are responsible for promoting customer service and creates a good relationship between the company and the insurer. They also serve as a point of a contract if there are insurers that need someone who can assist them with what particular package they can get.

Health insurance agent vs licensed insurance producer salary

Health insurance agents and licensed insurance producers have different pay scales, as shown below.

Health Insurance AgentLicensed Insurance Producer
Average salary$49,934$66,026
Salary rangeBetween $34,000 And $72,000Between $44,000 And $97,000
Highest paying CityTacoma, WAWashington, DC
Highest paying stateAlaskaWashington
Best paying companyDialAmericaBerkshire Hathaway
Best paying industryFinanceFinance

Differences between health insurance agent and licensed insurance producer education

There are a few differences between a health insurance agent and a licensed insurance producer in terms of educational background:

Health Insurance AgentLicensed Insurance Producer
Most common degreeBachelor's Degree, 50%Bachelor's Degree, 57%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Health insurance agent vs licensed insurance producer demographics

Here are the differences between health insurance agents' and licensed insurance producers' demographics:

Health Insurance AgentLicensed Insurance Producer
Average age4646
Gender ratioMale, 43.5% Female, 56.5%Male, 39.2% Female, 60.8%
Race ratioBlack or African American, 9.2% Unknown, 3.6% Hispanic or Latino, 15.8% Asian, 4.9% White, 66.5% American Indian and Alaska Native, 0.1%Black or African American, 9.4% Unknown, 3.6% Hispanic or Latino, 16.1% Asian, 4.9% White, 65.9% American Indian and Alaska Native, 0.1%
LGBT Percentage7%7%

Differences between health insurance agent and licensed insurance producer duties and responsibilities

Health insurance agent example responsibilities.

  • Manage communication points between corporate advisers, providers and patients for medical service advisory requests.
  • Sold/Enrol individuals in ACA health plans over the phone by making cold calls on a daily basses.
  • Explain healthcare benefits cover by major insurance carriers under the ACA.
  • Post CPT codes and ICD-9 codes for every patient at check-out.
  • Verify clients' eligibility and check clients' status within CMS and UHC system.
  • Initiate appeals process on behalf of members, and assist with online web portal services.
  • Show more

Licensed insurance producer example responsibilities.

  • Used consultative upselling techniques to provide leads
  • Present AFLAC benefits packages to various company owners and employees.
  • Educate customers on products such as property-casualty, life, accident-health, and annuities.
  • Contact businesses to attempt to establish an AFLAC account as part of their benefits package.
  • Provide information on life and health insurance, medicare supplements, annuities , 401K rollovers and IRA's.
  • Facilitate communications between doctors, hospitals, third party insurance companies and patients to obtain and verify patient billing information.
  • Show more

Health insurance agent vs licensed insurance producer skills

Common health insurance agent skills
  • HIPAA, 57%
  • Health Insurance, 11%
  • Customer Service, 8%
  • Health Insurance Products, 3%
  • Health Insurance Sales, 2%
  • Inbound Calls, 2%
Common licensed insurance producer skills
  • Work Ethic, 51%
  • Lead Generation, 13%
  • Annuities, 8%
  • Customer Service, 6%
  • Insurance Sales, 6%
  • Auto Insurance, 3%