What does an insurance account representative do?
An Insurance Account Representative manages the accounts of the clients assigned to them. They sell and make negotiations in health, life, or other insurance. They also carry out is utilizing client-centered ability and strong customer service for strong policyholder-customer relationships. Insurance Account Representatives should develop skills in scheduling appointments, customer service, and customer identification.
Insurance account representative responsibilities
Here are examples of responsibilities from real insurance account representative resumes:
- 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.
- Cross sell all other lines of AAA products to secure stability in clients.
- Service clients while empowering them to participate in market gains while avoiding market losses with fix index annuities.
- Develop effective telemarketing script for marketing AAA members.
- Promote medicare safety facts and awareness issues about medicare.
- Inform medicare recipients on medicare information and eligibility rights and privileges.
- Coordinate, customize and deliver meaningful employee presentations using print materials and PowerPoint presentations.
- Create effective training materials that include interactive sales preparation tools, effective PowerPoint presentations and in-depth product knowledge applications.
- Serve as an account representative explaining insurance coverage and complete billing information using ICD-9 coding during inbound calls from customers.
- General resource to partnership on property and casualty matters, insurance policy contract review allowing partners to successfully negotiate litigation matters.
- Assist with DMV registration/license concerns.
- Utilize company database and DMV system link to research customer background.
Insurance account representative skills and personality traits
We calculated that 11% of Insurance Account Representatives are proficient in Schedule Appointments, Customer Service, and Develop Leads. They’re also known for soft skills such as Communication skills, Self-confidence, and Analytical skills.
We break down the percentage of Insurance Account Representatives that have these skills listed on their resume here:
- Schedule Appointments, 11%
Schedule appointments to go over coverages and any gaps in policies.
- Customer Service, 11%
Utilized strong customer service and client focused ability to develop solid relationships with current policyholders and potential customers.
- Develop Leads, 9%
Develop leads, to increase sales in all lines of business.
- Customer Relationships, 7%
Obtain referrals for potential new business through quality service and customer relationships.
- Work Ethic, 5%
Maintained a strong work ethic with a total commitment to succeed in every day tasks.
- Review Process, 5%
Use a customer-focused, needs-based review process to educate customers about insurance options.
Most insurance account representatives use their skills in "schedule appointments," "customer service," and "develop leads" to do their jobs. You can find more detail on essential insurance account representative responsibilities here:
Communication skills. To carry out their duties, the most important skill for an insurance account representative to have is communication skills. Their role and responsibilities require that "insurance sales agents must listen to clients and be able to clearly explain suitable policies." Insurance account representatives often use communication skills in their day-to-day job, as shown by this real resume: "utilized strong oral and written communication skills when dealing with insurance carriers, management and co-workers. "
Self-confidence. Another soft skill that's essential for fulfilling insurance account representative duties is self-confidence. The role rewards competence in this skill because "insurance sales agents should be confident when contacting prospective clients." According to an insurance account representative resume, here's how insurance account representatives can utilize self-confidence in their job responsibilities: "maintained precise and confidential records, educated clients on property, casualty, life and health insurance products. "
Analytical skills. insurance account representatives are also known for analytical skills, which are critical to their duties. You can see how this skill relates to insurance account representative responsibilities, because "insurance sales agents must evaluate the needs of each client to determine the appropriate insurance policy." An insurance account representative resume example shows how analytical skills is used in the workplace: "developed and maintained an access database application combining patient, insurance collections and eob denial resolutions. "
Initiative. For certain insurance account representative responsibilities to be completed, the job requires competence in "initiative." The day-to-day duties of an insurance account representative rely on this skill, as "insurance sales agents need to actively seek out new clients in order to increase business." For example, this snippet was taken directly from a resume about how this skill applies to what insurance account representatives do: "supported all collection initiatives via inbound/outbound customer calling and performed reconciliation and analysis of customer accounts as requested. "
See the full list of insurance account representative skills
The three companies that hire the most insurance account representatives are:
- UnitedHealth Group8 insurance account representatives jobs
- Guidehouse6 insurance account representatives jobs
- State Farm5 insurance account representatives jobs
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Compare different insurance account representatives
Insurance account representative vs. Licensed insurance producer
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.
While similarities exist, there are also some differences between insurance account representatives and licensed insurance producer. For instance, insurance account representative responsibilities require skills such as "review process," "patients," "telemarketing," and "excellent interpersonal." Whereas a licensed insurance producer is skilled in "lead generation," "insurance sales," "auto insurance," and "health insurance products." This is part of what separates the two careers.
Licensed insurance producers tend to make the most money working in the finance industry, where they earn an average salary of $60,870. In contrast, insurance account representatives make the biggest average salary, $39,335, in the insurance industry.On average, licensed insurance producers reach similar levels of education than insurance account representatives. Licensed insurance producers are 0.0% more likely to earn a Master's Degree and 0.7% more likely to graduate with a Doctoral Degree.Insurance account representative vs. Insurance specialist
An insurance specialist is an individual responsible for interpreting insurance plans and providing risk management advice to clients and wealth managers. Insurance specialists must have a full understanding of risk management to craft a comprehensive solution that integrates well with the client's portfolio. They need to manage their clients' accounts and should maintain contact with clients after the application process. Insurance specialists must ensure that government insurance programs comply with federal laws, regulations, and contracts within the healthcare industry.
Each career also uses different skills, according to real insurance account representative resumes. While insurance account representative responsibilities can utilize skills like "develop leads," "customer relationships," "work ethic," and "strong work ethic," insurance specialists use skills like "exceptional client," "life insurance," "insurance policies," and "medical terminology."
On average, insurance specialists earn a lower salary than insurance account representatives. Some industries support higher salaries in each profession. Interestingly enough, insurance specialists earn the most pay in the government industry with an average salary of $38,343. Whereas insurance account representatives have higher pay in the insurance industry, with an average salary of $39,335.insurance specialists earn similar levels of education than insurance account representatives in general. They're 0.4% more likely to graduate with a Master's Degree and 0.7% more likely to earn a Doctoral Degree.Insurance account representative vs. Licensed insurance agent
A licensed insurance agent is primarily responsible for finding and utilizing opportunities to secure insurance sales. Moreover, a licensed insurance agent must reach out to potential clients, discuss and negotiate terms, respond to inquiries, and perform various assessments to determine their ability to uphold financial obligations. Besides building a client base, they also need to handle current policies, process renewals, monitor claims, maintain an accurate record of transactions, prepare progress reports and strategies, and distribute policy proceeds according to the company rules and regulations.
The required skills of the two careers differ considerably. For example, insurance account representatives are more likely to have skills like "schedule appointments," "develop leads," "customer relationships," and "review process." But a licensed insurance agent is more likely to have skills like "excellent time management," "strong customer service," "insurance sales," and "inbound calls."
Licensed insurance agents earn the best pay in the finance industry, where they command an average salary of $52,022. Insurance account representatives earn the highest pay from the insurance industry, with an average salary of $39,335.When it comes to education, licensed insurance agents tend to earn similar degree levels compared to insurance account representatives. In fact, they're 0.7% more likely to earn a Master's Degree, and 0.4% more likely to graduate with a Doctoral Degree.Insurance account representative vs. Health insurance agent
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.
Even though a few skill sets overlap between insurance account representatives and health insurance agents, there are some differences that are important to note. For one, an insurance account representative might have more use for skills like "schedule appointments," "customer relationships," "work ethic," and "strong work ethic." Meanwhile, some responsibilities of health insurance agents require skills like "hipaa," "health insurance products," "health insurance sales," and "inbound calls. "
In general, health insurance agents earn the most working in the finance industry, with an average salary of $51,803. The highest-paying industry for an insurance account representative is the insurance industry.The average resume of health insurance agents showed that they earn similar levels of education compared to insurance account representatives. So much so that theyacirc;euro;trade;re 2.1% more likely to earn a Master's Degree and more likely to earn a Doctoral Degree by 0.7%.Types of insurance account representative
Updated January 8, 2025
