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.
Insurance adviser responsibilities
Here are examples of responsibilities from real insurance adviser resumes:
- 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.
- Used consultative upselling techniques to provide leads
Insurance adviser skills and personality traits
We calculated that 54% of Insurance Advisers are proficient in Insurance Sales, Insurance Options, and Annuities. They’re also known for soft skills such as Analytical skills, Communication skills, and Initiative.
We break down the percentage of Insurance Advisers that have these skills listed on their resume here:
- Insurance Sales, 54%
Licensed insurance sales producer in property and casualty and in life, accident and health.
- Insurance Options, 6%
Partnered closely with state of Michigan licensed insurance agents to finalize insurance options.
- Annuities, 6%
Run illustrations for annuities, life policies and provide quotes for auto, home, and commercial insurance.
- Insurance Solutions, 6%
Identify Commercial Insurance needs and close deals after providing a systematic consultation which results in customized insurance solutions.
- Insurance Coverage, 3%
Verified hospitalization insurance coverage, computed patients benefits and compiled itemized hospital bills.
- Administrative Tasks, 3%
Perform with enthusiasm administrative tasks to include; maintaining vital customer records and policy renewals ensuring customer satisfaction and loyalty.
Common skills that an insurance adviser uses to do their job include "insurance sales," "insurance options," and "annuities." You can find details on the most important insurance adviser responsibilities below.
Analytical skills. The most essential soft skill for an insurance adviser to carry out their responsibilities is analytical skills. This skill is important for the role because "insurance sales agents must evaluate the needs of each client to determine the appropriate insurance policy." Additionally, an insurance adviser resume shows how their duties depend on analytical skills: "analyzed and advised patients on advantages and disadvantages of insurance programs and identified gaps in coverage. "
Communication skills. Many insurance adviser duties rely on communication skills. "insurance sales agents must listen to clients and be able to clearly explain suitable policies.," so an insurance adviser will need this skill often in their role. This resume example is just one of many ways insurance adviser responsibilities rely on communication skills: "skilled in communication with clients, demonstrating product knowledge, features and benefits. "
Initiative. Another skill that relates to the job responsibilities of insurance advisers is initiative. This skill is critical to many everyday insurance adviser duties, as "insurance sales agents need to actively seek out new clients in order to increase business." This example from a resume shows how this skill is used: "assist with sales, marketing, and customer service initiatives resulting in significant revenue gains. "
Self-confidence. For certain insurance adviser responsibilities to be completed, the job requires competence in "self-confidence." The day-to-day duties of an insurance adviser rely on this skill, as "insurance sales agents should be confident when contacting prospective clients." For example, this snippet was taken directly from a resume about how this skill applies to what insurance advisers do: "maintain patient confidentiality and abide by hippa and osha regulations. "
The three companies that hire the most insurance advisers are:
- Sutherland64 insurance advisers jobs
- New York Life Insurance14 insurance advisers jobs
- USAA10 insurance advisers jobs
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Compare different insurance advisers
Insurance adviser vs. Agent
Agents are individuals who are employed by their clients to represent them in various dealings. Agents are usually employed by people in the show business industry, such as actors, writers, or directors. They meet people who are interested in dealing with their clients. They listen to the plans and vision for the project and assess if the project fits their clients' interests or public image. In the case of agents whose clients are actors, they send their clients to auditions upon review of the project details. Agents are also responsible for negotiating terms on behalf of their clients, such as salary, royalties, and set benefits, among others. They also inform the project leaders of their clients' demands on set. Agents are expected to be business-savvy and good negotiators.
While similarities exist, there are also some differences between insurance advisers and agent. For instance, insurance adviser responsibilities require skills such as "insurance sales," "insurance options," "insurance solutions," and "insurance coverage." Whereas a agent is skilled in "insurance products," "life insurance," "hr," and "financial services." This is part of what separates the two careers.
Agents tend to reach similar levels of education than insurance advisers. In fact, agents are 4.3% less likely to graduate with a Master's Degree and 0.0% more likely to have a Doctoral Degree.Insurance adviser vs. Agent assistant
A marketing agency is responsible for selling the company's goods and services, identifying promotional techniques to boost brand awareness in the market, and strategizing in increasing sales targets. Marketing agents identify business opportunities by analyzing market trends and public demands that would generate more revenue resources and increase the company's profitability. They also negotiate with potential clients for partnerships, respond to their inquiries and concerns, and address their requests. A marketing agent handles the development of marketing materials, including a budget allocation to support marketing functions and business requirements.
Each career also uses different skills, according to real insurance adviser resumes. While insurance adviser responsibilities can utilize skills like "insurance sales," "insurance options," "annuities," and "insurance solutions," agent assistants use skills like "life insurance," "insurance policies," "health insurance," and "scheduling appointments."
In general, agent assistants achieve lower levels of education than insurance advisers. They're 5.3% less likely to obtain a Master's Degree while being 0.0% more likely to earn a Doctoral Degree.Insurance adviser vs. Marketing agent
Field agents are the ones who work and do their job not inside the four corners of the office; instead, they do the assigned task outside. They often are expected to have good communication skills so that they can get a response from the most unwilling person in the area. Besides, they must also possess good character traits and professionalism to effectively address higher-up's concerns. As the man on the field, they provide customer support more effectively.
The required skills of the two careers differ considerably. For example, insurance advisers are more likely to have skills like "insurance sales," "insurance options," "annuities," and "insurance solutions." But a marketing agent is more likely to have skills like "booking," "digital marketing," "marketing presentations," and "sales presentations."
Most marketing agents achieve a similar degree level compared to insurance advisers. For example, they're 3.7% less likely to graduate with a Master's Degree, and 0.3% less likely to earn a Doctoral Degree.Insurance adviser vs. Field agent
Types of insurance adviser
Updated January 8, 2025
