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The differences between insurance agents and carriers can be seen in a few details. Each job has different responsibilities and duties. Additionally, an insurance agent has an average salary of $51,936, which is higher than the $37,242 average annual salary of a carrier.
The top three skills for an insurance agent include customer service, insurance sales and health insurance. The most important skills for a carrier are logistics, newspapers, and delivery sequence.
An insurance agent is responsible for inviting potential clients to the insurance company by offering different insurance services. Insurance agents must have a comprehensive knowledge of insurance types to provide the clients with the best insurance option in the market. The insurance agents should evaluate a client's long-term needs and financial goals to create individual packages as the insurance company allowed. An insurance agent also handles policy renewals and keeps customers' insurance files for reference.
The duties of a carrier primarily depend on their industry or organization of employment. In the logistics industry, a carrier is responsible for delivering goods in a timely and efficient manner. Their tasks usually include traveling to different areas to deliver or pick-up packages, handling documentation, coordinating with logistics managers, and communicating with the clients to answer any inquiries or provide delivery updates. Moreover, a carrier performs regular vehicle maintenance checks and complies with traffic rules and regulations for a smooth and efficient workflow.
Insurance agents and carriers have different pay scales, as shown below.
| Insurance Agent | Carrier | |
| Average salary | $51,936 | $37,242 |
| Salary range | Between $30,000 And $88,000 | Between $19,000 And $69,000 |
| Highest paying City | New York, NY | Cupertino, CA |
| Highest paying state | Hawaii | Oregon |
| Best paying company | Z Capital Group | Meta |
| Best paying industry | Finance | Professional |
There are a few differences between an insurance agent and a carrier in terms of educational background:
| Insurance Agent | Carrier | |
| Most common degree | Bachelor's Degree, 53% | High School Diploma, 33% |
| Most common major | Business | Business |
| Most common college | University of Pennsylvania | - |
Here are the differences between insurance agents' and carriers' demographics:
| Insurance Agent | Carrier | |
| Average age | 46 | 49 |
| Gender ratio | Male, 51.6% Female, 48.4% | Male, 61.7% Female, 38.3% |
| Race ratio | Black or African American, 9.3% Unknown, 3.6% Hispanic or Latino, 15.8% Asian, 4.9% White, 66.4% American Indian and Alaska Native, 0.1% | Black or African American, 10.9% Unknown, 4.3% Hispanic or Latino, 16.7% Asian, 6.5% White, 61.1% American Indian and Alaska Native, 0.6% |
| LGBT Percentage | 7% | 9% |