Insurance representative vs health insurance agent

The differences between insurance representatives and health insurance agents can be seen in a few details. Each job has different responsibilities and duties. Additionally, a health insurance agent has an average salary of $49,934, 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 health insurance agent are HIPAA, health insurance, and customer service.

Insurance representative vs health insurance agent overview

	Insurance Representative	Health Insurance Agent
Yearly salary	$35,958	$49,934
Hourly rate	$17.29	$24.01
Growth rate	6%	6%
Number of jobs	87,843	112,235
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 45%	Bachelor's Degree, 50%
Average age	46	46
Years of experience	-	-

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.

What does a health insurance agent do?

Health Insurance Agents are salespeople whose primary product is health insurance. Insurance companies hire them to reach sales targets. They are trained to sell insurance to individuals or groups of people. They are expected to be familiar with all the products of the company. Health Insurance Agents should assess their clients' needs and recommend the best health insurance product that fits their needs. They should be able to explain the product's features and answer any inquiries that the clients may have. Health Insurance Agents should also know how to compute insurance premiums and estimate payouts.

Insurance representative vs health insurance agent salary

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

	Insurance Representative	Health Insurance Agent
Average salary	$35,958	$49,934
Salary range	Between $29,000 And $44,000	Between $34,000 And $72,000
Highest paying City	Lacey, WA	Tacoma, WA
Highest paying state	Washington	Alaska
Best paying company	Santander Bank	DialAmerica
Best paying industry	Finance	Finance

Differences between insurance representative and health insurance agent education

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

	Insurance Representative	Health Insurance Agent
Most common degree	Bachelor's Degree, 45%	Bachelor's Degree, 50%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Insurance representative vs health insurance agent demographics

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

	Insurance Representative	Health Insurance Agent
Average age	46	46
Gender ratio	Male, 29.8% Female, 70.2%	Male, 43.5% Female, 56.5%
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, 9.2% Unknown, 3.6% Hispanic or Latino, 15.8% Asian, 4.9% White, 66.5% American Indian and Alaska Native, 0.1%
LGBT Percentage	7%	7%

Differences between insurance representative and health 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.

Health insurance agent example responsibilities.

Manage communication points between corporate advisers, providers and patients for medical service advisory requests.
Sold/Enrol individuals in ACA health plans over the phone by making cold calls on a daily basses.
Explain healthcare benefits cover by major insurance carriers under the ACA.
Post CPT codes and ICD-9 codes for every patient at check-out.
Verify clients' eligibility and check clients' status within CMS and UHC system.
Initiate appeals process on behalf of members, and assist with online web portal services.

Insurance representative vs health insurance agent skills

Common insurance representative skills

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

Common health insurance agent skills

HIPAA, 57%
Health Insurance, 11%
Customer Service, 8%
Health Insurance Products, 3%
Health Insurance Sales, 2%
Inbound Calls, 2%

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Sales Industry
Insurance Representative
Insurance Representative vs Health Insurance Agent

Updated January 8, 2025

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