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What is an insurance account representative and how to become one

Updated January 8, 2025
4 min read
Quoted expert
Tom Faulconer JD, CPCU, CLU, ChFC, CASL,CFP(r)

An insurance account representative interacts with clients whose accounts they manage and ensures that they have a satisfactory experience with their insurance company. They assist clients with any problems they may have such as difficulty setting up payment plans or denied claims due to clerical errors. Insurance account representatives also work to grow their company's profits by upselling more expensive policies and additional coverage to existing clients.

The most important skill that an insurance account representative needs to have is a knack for customer service in order to interact with clients. They also need basic data entry skills in order to manage client data accurately and an extensive knowledge of the insurance industry.

Most insurance account representatives start out by getting a bachelor's degree in business, although it is possible to work in this field with only an associate's degree or a high school diploma. Since this is an entry level position, they don't need much work experience, although some customer service experience is helpful. Insurance account representatives earn an average salary of $37,837 a year, although some also earn commissions.

What general advice would you give to an insurance account representative?

Tom Faulconer JD, CPCU, CLU, ChFC, CASL,CFP(r)Tom Faulconer JD, CPCU, CLU, ChFC, CASL,CFP(r) LinkedIn profile

Clinical Professor, Butler University

That depends on the type of agent the person is. Most of us deal with agents who sell personal lines, such as auto and home and life insurance. Their day is filled with prospecting for new clients, appointments to review current insurance with current clients, service work such as adding autos and changing addresses, and, helping take and resolve claims. Some agents specialize in commercial lines. They spend their days prospecting as well, but also work very closely with their clients on a regular basis to assure their insurance program is appropriate. This is because commercial clients usually have very large insurance policies, make frequent changes, and have lots of service work. Plus, the relationship is the key in commercial lines.
ScoreInsurance Account RepresentativeUS Average
Salary
3.1

Avg. Salary $39,881

Avg. Salary $59,228

Stability level
6.8

Growth rate 6%

Growth rate 0.3%

Diversity
5.6
Race

American Indian and Alaska Native 0.15%

Asian 4.88%

Black or African American 9.32%

Hispanic or Latino 15.93%

Unknown 3.56%

White 66.17%

Gender

female 70.73%

male 29.27%

Age - 46
Race

American Indian and Alaska Native 3.00%

Asian 7.00%

Black or African American 14.00%

Hispanic or Latino 19.00%

White 57.00%

Gender

female 47.00%

male 53.00%

Age - 46
Stress level
6.8

Stress level is high

7.1 - high

Complexity level
8.9

Complexity level is advanced

7 - challenging

Work life balance
6.1

Work life balance is fair

6.4 - fair

Insurance account representative career paths

Key steps to become an insurance account representative

  1. Explore insurance account representative education requirements

    Most common insurance account representative degrees

    Bachelor's

    55.6 %

    Associate

    20.9 %

    High School Diploma

    12.3 %
  2. Start to develop specific insurance account representative skills

    SkillsPercentages
    Schedule Appointments11.39%
    Customer Service10.51%
    Develop Leads9.33%
    Customer Relationships6.70%
    Work Ethic5.24%
  3. Complete relevant insurance account representative training and internships

    Accountants spend an average of 6-12 months on post-employment, on-the-job training. New insurance account representatives learn the skills and techniques required for their job and employer during this time. The chart below shows how long it takes to gain competency as an insurance account representative based on U.S. Bureau of Labor Statistics data and data from real insurance account representative resumes.
  4. Research insurance account representative duties and responsibilities

    • Manage civil litigation matters such as general and complex litigation.
    • Cold-Cal to generate leads for individual life and disability insurance and annuities.
    • Manage client relationship by presenting solutions for customers state and unstate needs while cross-selling company products.
    • Experience Licenced ACA health insurance agent.
  5. Prepare your insurance account representative resume

    When your background is strong enough, you can start writing your insurance account representative resume.

    You can use Zippia's AI resume builder to make the resume writing process easier while also making sure that you include key information that hiring managers expect to see on an insurance account representative resume. You'll find resume tips and examples of skills, responsibilities, and summaries, all provided by Zippi, your career sidekick.

    Choose from 10+ customizable insurance account representative resume templates

    Build a professional insurance account representative resume in minutes. Browse through our resume examples to identify the best way to word your resume. Then choose from 10+ resume templates to create your insurance account representative resume.
    Insurance Account Representative Resume
    Insurance Account Representative Resume
    Insurance Account Representative Resume
    Insurance Account Representative Resume
    Insurance Account Representative Resume
    Insurance Account Representative Resume
    Insurance Account Representative Resume
    Insurance Account Representative Resume
    Insurance Account Representative Resume
  6. Apply for insurance account representative jobs

    Now it's time to start searching for an insurance account representative job. Consider the tips below for a successful job search:

    1. Browse job boards for relevant postings
    2. Consult your professional network
    3. Reach out to companies you're interested in working for directly
    4. Watch out for job scams

How did you land your first insurance account representative job

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Average insurance account representative salary

The average insurance account representative salary in the United States is $39,881 per year or $19 per hour. Insurance account representative salaries range between $30,000 and $51,000 per year.

Average insurance account representative salary
$39,881 Yearly
$19.17 hourly

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How do insurance account representatives rate their job?

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Insurance account representative reviews

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A zippia user wrote a review on Oct 2019
Pros

The diversity of the work flow and the diverse network of people I work with on the daily. From customers,lenders, realtors, inspectors to underwriters and Sales representatives. I enjoy assisting others, problem solving and analyzing the different needs and products available to the client.


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A zippia user wrote a review on May 2019
Pros

I like to work with the Claim Submission, Followup on the claim process, work on the denials of the claims by the insurance companies, submit the corrected claims for reprocessing for the prompt payment on the claims by the insurance companies, post the payment received from the insurance companies and maintain an accurate patient's account, communicate with the patients about their accounts for their balance and post the payment received into their account, answer to all the queries from the patients and insurance rep and work with appeals for the claims denied by the insurance companies.

Cons

I don't like when the insurance companies give hard time and deny the claims even if it is a payable code.


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Updated January 8, 2025

Zippia Research Team
Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.