Insurance adviser vs insurance sales representative

The differences between insurance advisers and insurance sales representatives can be seen in a few details. Each job has different responsibilities and duties. Additionally, an insurance adviser has an average salary of $66,816, which is higher than the $61,386 average annual salary of an insurance sales representative.

The top three skills for an insurance adviser include insurance sales, insurance options and annuities. The most important skills for an insurance sales representative are customer service, excellent time management, and work ethic.

Insurance adviser vs insurance sales representative overview

	Insurance Adviser	Insurance Sales Representative
Yearly salary	$66,816	$61,386
Hourly rate	$32.12	$29.51
Growth rate	6%	6%
Number of jobs	47,713	201,879
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 58%	Bachelor's Degree, 59%
Average age	46	46
Years of experience	-	-

What does an insurance adviser do?

Insurance advisers are professionals who represent an insurance company to sell insurance products to clients and earn commission on each policy that they sell. These advisers are required to align the company's insurance policies to the financial needs of each individual so that they can sell the maximum number of policies. They must oversee whether correct information is provided by their clients while explaining to them the relevance of the different parts of the proposal form. Insurance advisers must also help their clients get their claim settlements by showing them the correct process and completing the required documents.

What does an insurance sales representative do?

An insurance sales representative is primarily responsible for securing insurance sales by reaching out to clients through calls, correspondence, and even appointments. They are also responsible for gathering client information, discussing and recommending suitable terms, and even providing advice to meet their needs, all while building rapport to ensure customer satisfaction. There are also instances where they have to adjust existing terms, assist in filling out applications, and produce progress reports. Furthermore, it is essential to devise strategies to find new sales opportunities, as most insurance sales representatives must reach a particular sales target.

Insurance adviser vs insurance sales representative salary

Insurance advisers and insurance sales representatives have different pay scales, as shown below.

	Insurance Adviser	Insurance Sales Representative
Average salary	$66,816	$61,386
Salary range	Between $43,000 And $103,000	Between $38,000 And $97,000
Highest paying City	Madison, WI	Washington, DC
Highest paying state	Wisconsin	New York
Best paying company	Salesforce	FFL Partners
Best paying industry	-	Finance

Differences between insurance adviser and insurance sales representative education

There are a few differences between an insurance adviser and an insurance sales representative in terms of educational background:

	Insurance Adviser	Insurance Sales Representative
Most common degree	Bachelor's Degree, 58%	Bachelor's Degree, 59%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Insurance adviser vs insurance sales representative demographics

Here are the differences between insurance advisers' and insurance sales representatives' demographics:

	Insurance Adviser	Insurance Sales Representative
Average age	46	46
Gender ratio	Male, 54.6% Female, 45.4%	Male, 53.9% Female, 46.1%
Race ratio	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%	Black or African American, 9.4% Unknown, 3.6% Hispanic or Latino, 16.2% Asian, 4.9% White, 65.8% American Indian and Alaska Native, 0.1%
LGBT Percentage	7%	7%

Differences between insurance adviser and insurance sales representative duties and responsibilities

Insurance adviser example responsibilities.

Manage civil litigation matters such as general and complex litigation.
Present appropriate annuities for clients to purchase that meet their specific needs, time frame, and risk tolerance
Direct the sale of life insurance policies, medical disability programs and annuities to military personnel and civilian members.
General resource to partnership on property and casualty matters, insurance policy contract review allowing partners to successfully negotiate litigation matters.
Revive AFLAC accounts previously close due to non-pay or dissatisfy customers.
Generate new business for Aflac by contacting potential customers and marketing one or more types of insurance.

Insurance sales representative example responsibilities.

Used consultative upselling techniques to provide leads
Translate and assign diagnosis and medical procedures into CPT, ICD-9 and ICD-10 codes.
Lead rep for major payer.
Monitor the performance of each account rep.
Educate physicians and clinic staff on current ICD 9 and CPT coding regulations.
Comply with company policy, procedures, and pertinent laws and regulation such a HIPAA.

Insurance adviser vs insurance sales representative skills

Common insurance adviser skills

Insurance Sales, 54%
Insurance Options, 6%
Annuities, 6%
Insurance Solutions, 6%
Insurance Coverage, 3%
Administrative Tasks, 3%

Common insurance sales representative skills

Customer Service, 17%
Excellent Time Management, 16%
Work Ethic, 12%
Strong Customer Service, 11%
Strong Work Ethic, 11%
Lead Generation, 4%

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Insurance Adviser
Insurance Adviser vs Insurance Sales Representative

Updated January 8, 2025

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