Insurance agent vs insurance representative

The differences between insurance agents and insurance representatives 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 $35,958 average annual salary of an insurance representative.

The top three skills for an insurance agent include customer service, insurance sales and health insurance. The most important skills for an insurance representative are customer service, patients, and health insurance.

Insurance agent vs insurance representative overview

	Insurance Agent	Insurance Representative
Yearly salary	$51,936	$35,958
Hourly rate	$24.97	$17.29
Growth rate	6%	6%
Number of jobs	67,977	87,843
Job satisfaction	5	-
Most common degree	Bachelor's Degree, 53%	Bachelor's Degree, 45%
Average age	46	46
Years of experience	-	-

What does an insurance agent do?

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.

What does an insurance representative do?

An insurance representative serves as a client's point of contact in insurance companies. Their responsibilities include researching client opportunities, reaching out to potential clients to offer products and services, discussing terms and policies, providing detailed advice, and assisting in every procedure, ensuring convenience and client satisfaction. Aside from securing sales, an insurance representative may also process applications and claims while adhering to the company's policies and regulations. Furthermore, they may also perform clerical tasks such as handling calls and correspondence, arranging appointments, and maintaining records of all transactions.

Insurance agent vs insurance representative salary

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

	Insurance Agent	Insurance Representative
Average salary	$51,936	$35,958
Salary range	Between $30,000 And $88,000	Between $29,000 And $44,000
Highest paying City	New York, NY	Lacey, WA
Highest paying state	Hawaii	Washington
Best paying company	Z Capital Group	Santander Bank
Best paying industry	Finance	Finance

Differences between insurance agent and insurance representative education

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

	Insurance Agent	Insurance Representative
Most common degree	Bachelor's Degree, 53%	Bachelor's Degree, 45%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Insurance agent vs insurance representative demographics

Here are the differences between insurance agents' and insurance representatives' demographics:

	Insurance Agent	Insurance Representative
Average age	46	46
Gender ratio	Male, 51.6% Female, 48.4%	Male, 29.8% Female, 70.2%
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, 9.4% Unknown, 3.6% Hispanic or Latino, 16.1% Asian, 4.9% White, 65.9% American Indian and Alaska Native, 0.1%
LGBT Percentage	7%	7%

Differences between insurance agent and insurance representative duties and responsibilities

Insurance agent example responsibilities.

Used consultative upselling techniques to provide leads
Maintain personal and confidential Medicare & Medicaid customer information following all HIPAA.
Follow all applicable HIPPA and privacy regulations.
Explain medical plans to Medicare / Medicaid eligible clients to ensure best fit.
Identify and solicit sales prospects in agency database and in the general marketplace.
Develop productive business relationships with key marketplace players by identifying the right products and services.

Insurance representative example responsibilities.

Cold-Cal to generate leads for individual life and disability insurance and annuities.
Confer with AAA members to discuss options and plans for the insurance needs of family and services provide.
Promote AAA insurance to current, former, and potentially new customers by providing quality and accurate product knowledge.
Assist field agents with Medicare applications, review Medicaid state system regarding eligibility.
Review medical web sites and Medicare inquiry system to determine eligibility for Medicaid and other insurance policies.
Facilitate communications between doctors, hospitals, third party insurance companies and patients to obtain and verify patient billing information.

Insurance agent vs insurance representative skills

Common insurance agent skills

Customer Service, 25%
Insurance Sales, 8%
Health Insurance, 6%
Life Insurance Products, 6%
Financial Resources, 6%
Auto Insurance, 5%

Common insurance representative skills

Customer Service, 18%
Patients, 16%
Health Insurance, 6%
Medicaid, 4%
Insurance Coverage, 4%
Data Entry, 4%

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Insurance Agent
Insurance Agent vs Insurance Representative

Updated January 8, 2025

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