How to hire an insurance representative

How to hire an insurance representative, step by step

Here's a step-by-step insurance representative hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write an insurance representative job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new insurance representative
• Step 8: Go through the hiring process checklist

What does an insurance representative do?

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1. Identify your hiring needs

   The insurance representative hiring process starts by determining what type of worker you actually need. Certain roles might require a full-time employee, whereas part-time workers or contractors can do others.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   An insurance representative's background is also an important factor in determining whether they'll be a good fit for the position. For example, insurance representatives from different industries or fields will have radically different experiences and will bring different viewpoints to the role. You also need to consider the candidate's previous level of experience to make sure they'll be comfortable with the job's level of seniority.

   Here's a comparison of insurance representative salaries for various roles:

   Type of Insurance Representative	Description	Hourly rate
   Insurance Representative	Insurance sales agents help insurance companies generate new business by contacting potential customers and selling one or more types of insurance. Insurance sales agents explain various insurance policies and help clients choose plans that suit them.	$13-21
   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... Show more	$21-46
   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... Show more	$15-42

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Customer Service
   • Patients
   • Health Insurance
   • Medicaid
   • Insurance Coverage
   • Data Entry
   • Patient Accounts
   • Insurance Claims
   • Auto Insurance
   • Medical Insurance
   • Computer System
   • Appeals
   • Insurance Carriers
   • CPT

   Check all skills

   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.

   More insurance representative duties

3. Make a budget

   Including a salary range in the insurance representative job description is a good way to get more applicants. An insurance representative salary can be affected by several factors, such as the location of the job, the level of experience, education, certifications, and the employer's prestige.

   For example, the average salary for an insurance representative in Virginia may be lower than in Washington, and an entry-level engineer typically earns less than a senior-level insurance representative. Additionally, an insurance representative with lots of experience in the field may command a higher salary as a result.

   Average insurance representative salary

   $35,958yearly

   $17.29 hourly rate

   ---

   Entry-level insurance representative salary

   $29,000 yearly salary

   Updated December 16, 2025

   Average insurance representative salary by state

   Rank	State	Avg. salary	Hourly rate
   1	Washington	$40,950	$20
   2	California	$37,197	$18
   3	Florida	$37,159	$18
   4	New York	$37,086	$18
   5	Texas	$36,672	$18
   6	Massachusetts	$36,608	$18
   7	Colorado	$35,450	$17
   8	South Dakota	$35,335	$17
   9	Nebraska	$34,776	$17
   10	North Dakota	$33,681	$16
   11	Ohio	$33,624	$16
   12	Illinois	$33,520	$16
   13	Arizona	$33,512	$16
   14	Minnesota	$32,986	$16
   15	Pennsylvania	$32,393	$16
   16	Mississippi	$31,542	$15
   17	Iowa	$31,449	$15
   18	Louisiana	$30,777	$15
   19	Tennessee	$30,743	$15
   20	Arkansas	$30,551	$15

   Average insurance representative salary by company

   Company

   Rank	Company	Average salary	Hourly rate	Job openings
   1	Santander Bank	$64,234	$30.88
   2	Medical University of South Carolina	$52,946	$25.45	2
   3	National Grid plc	$46,558	$22.38
   4	Fresenius Medical Care North America Holdings Limited Partnership	$44,340	$21.32	25
   5	Cincinnati Children's Hospital Medical Center	$43,850	$21.08	1
   6	Santander Private Banking International	$41,578	$19.99
   7	Symmetry Financial Group	$41,231	$19.82	12
   8	OSMC	$41,178	$19.80	2
   9	UCHealth	$40,841	$19.64	1
   10	State of Nevada Employees' Association Inc	$40,626	$19.53	5
   11	Asurea	$40,605	$19.52	137
   12	Fresenius Medical Care Windsor, LLC	$40,561	$19.50	20
   13	Catholic Health Initiatives - Colorado	$40,561	$19.50	7
   14	Fidelity Bancorporation	$40,480	$19.46	4
   15	Lincoln Heritage	$40,411	$19.43
   16	Power International Holding	$40,136	$19.30
   17	North American Senior Benefits	$40,135	$19.30
   18	Agtexas Farm Credit	$39,922	$19.19
   19	Harris & Harris Solicitors	$39,577	$19.03	4
   20	UC Health	$39,390	$18.94	2

4. Writing an insurance representative job description

   A good insurance representative job description should include a few things:

   • Summary of the role
   • List of responsibilities
   • Required skills and experience

   Including a salary range and the first name of the hiring manager is also appreciated by candidates. Here's an example of an insurance representative job description:

   Insurance representative job description example

   Why You'll Choose Us
   
   Teleperformance is a strategic partner to the world's leading companies, bringing solutions and enhancing customer experience during each interaction. We are the largest interaction expert team in the market: multicultural, highly skilled, and deeply knowledgeable, with a wide range of integrated omnichannel solutions, technology, and the highest security standards. For us, each interaction needs to be treated as unique.
   
   Benefits of working with TP include:
   Paid Training Competitive Wages Full Benefits (Medical, Dental, Vision, 401k and more) Paid Time Off Employee wellness and engagement programs
   Your Impact
   
   Our customer service representatives are a very important part of our family. You will be the eyes and ears for our team, fielding customer inquiries and finding innovative ways to respond. Working in a collaborative and engaging environment, you will have the chance to interact with people from all walks of life and no two days will be the same. As you continue to grow and challenge yourself, you will discover your potential can take you anywhere you want to go.
   
   yourself, you will discover your potential can take you anywhere you want to go. Responsibilities: Your Responsibilities
   
   Customer Service Representatives field customer inquiries by finding innovative ways to respond to varying questions, issues, and concerns.
   Connect with customers via phone/email/chat/and or social media to resolve their questions or concerns Calmly attempt to resolve and de-escalate any issues Escalate interactions when necessary and appropriate Respond to requests for assistance and/or possible processing payments Track all call related information for auditing and reporting purposes Provide feedback on call issues Qualifications: What We're Looking for
   High School Diploma or equivalent Active Personal Lines License 18 years of age or older Be proficient in PC operation and navigation Able to work independently Have excellent communications skills, both oral and written Ability to work in a constantly changing and fast paced environment Ability to stay composed and objective Strong listening skills
   
   Being One of Our People
   
   It is our mission to always provide an environment for our employees that promotes happiness from the inside out. When you work with us, you are valued and inspired to learn, to teach, and to grow. We want you to come to work motivated to and proud to be on our team. That's why we continually invest in creating outstanding work experiences and endless development opportunities. We want you to be and feel at your best, always.
   
   Teleperformance is an Equal Opportunity Employer

   Copy this example

   

5. Post your job

   There are various strategies that you can use to find the right insurance representative for your business:

   • Consider promoting from within or recruiting from your existing workforce.
   • Ask for referrals from friends, family members, and current employees.
   • Attend job fairs at local colleges to find candidates who meet your education requirements.
   • Use social media platforms like LinkedIn, Facebook, and Twitter to reach potential job candidates.

   Post your job online:

   • Post your insurance representative job on Zippia to find and attract quality insurance representative candidates.
   • Use niche websites such as salesjobs, salesheads, allretailjobs.com, sales trax.
   • Post a job on free websites.

6. Interview candidates

   Your first interview with insurance representative candidates should focus on their interest in the role and background experience. As the hiring process goes on, you can learn more about how they'd fit into the company culture in later rounds of interviews.

   It's also good to ask about candidates' unique skills and talents to see if they match your ideal candidate profile. If you think a candidate is good enough for the next step, you can move on to the technical interview.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new insurance representative

   Once you've found the insurance representative candidate you'd like to hire, it's time to write an offer letter. This should include an explicit job offer that includes the salary and the details of any other perks. Qualified candidates might be looking at multiple positions, so your offer must be competitive if you like the candidate. Also, be prepared for a negotiation stage, as candidates may way want to tweak the details of your initial offer. Once you've settled on these details, you can draft a contract to formalize your agreement.

   It's equally important to follow up with applicants who don't get the job with an email letting them know that the position has been filled.

   Once that's done, you can draft an onboarding schedule for the new insurance representative. Human Resources should complete Employee Action Forms and ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc. They should also ensure that new employee files are created for internal recordkeeping.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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How much does it cost to hire an insurance representative?