Insurance representative vs commercial lines insurance agent

The differences between insurance representatives and commercial lines insurance agents can be seen in a few details. Each job has different responsibilities and duties. Additionally, a commercial lines insurance agent has an average salary of $55,459, which is higher than the $35,958 average annual salary of an insurance representative.

The top three skills for an insurance representative include customer service, patients and health insurance. The most important skills for a commercial lines insurance agent are insurance carriers, insurance products, and insurance quotes.

Insurance representative vs commercial lines insurance agent overview

	Insurance Representative	Commercial Lines Insurance Agent
Yearly salary	$35,958	$55,459
Hourly rate	$17.29	$26.66
Growth rate	6%	6%
Number of jobs	87,843	84,539
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 45%	Bachelor's Degree, 52%
Average age	46	46
Years of experience	-	-

Insurance representative vs commercial lines insurance agent salary

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

	Insurance Representative	Commercial Lines Insurance Agent
Average salary	$35,958	$55,459
Salary range	Between $29,000 And $44,000	Between $35,000 And $87,000
Highest paying City	Lacey, WA	-
Highest paying state	Washington	-
Best paying company	Santander Bank	-
Best paying industry	Finance	-

Differences between insurance representative and commercial lines insurance agent education

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

	Insurance Representative	Commercial Lines Insurance Agent
Most common degree	Bachelor's Degree, 45%	Bachelor's Degree, 52%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Insurance representative vs commercial lines insurance agent demographics

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

	Insurance Representative	Commercial Lines Insurance Agent
Average age	46	46
Gender ratio	Male, 29.8% Female, 70.2%	Male, 33.6% Female, 66.4%
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, 9.5% Unknown, 3.6% Hispanic or Latino, 16.4% Asian, 4.1% White, 66.3% American Indian and Alaska Native, 0.1%
LGBT Percentage	7%	7%

Differences between insurance representative and commercial lines insurance agent duties and responsibilities

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.

Commercial lines insurance agent example responsibilities.

Work with people in retirement helping manage their health and life insurance, also help structure their 401k's into annuities.
Provide unparallele brokerage services, specifically focusing on a thorough analysis of business risk and comprehensive options for clients.
Act as a retention specialist for Cigna Healthspring during AEP.

Insurance representative vs commercial lines insurance agent skills

Common insurance representative skills

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

Common commercial lines insurance agent skills

Insurance Carriers, 30%
Insurance Products, 26%
Insurance Quotes, 13%
Insurance Policies, 6%
Professional Customer Service, 6%
AMS, 5%

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Insurance Representative vs Commercial Lines Insurance Agent

Updated January 8, 2025

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