Insurance representative vs insurance clerk

The differences between insurance representatives and insurance clerks can be seen in a few details. Each job has different responsibilities and duties. Additionally, an insurance representative has an average salary of $35,958, which is higher than the $33,089 average annual salary of an insurance clerk.

The top three skills for an insurance representative include customer service, patients and health insurance. The most important skills for an insurance clerk are patients, insurance verification, and data entry.

Insurance representative vs insurance clerk overview

	Insurance Representative	Insurance Clerk
Yearly salary	$35,958	$33,089
Hourly rate	$17.29	$15.91
Growth rate	6%	-3%
Number of jobs	87,843	147,755
Job satisfaction	-	2
Most common degree	Bachelor's Degree, 45%	High School Diploma, 29%
Average age	46	44
Years of experience	-	4

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 an insurance clerk do?

An insurance clerk usually works to process insurance, reinstatement, changes, or cancellations for a company or an individual account. They are responsible for monitoring, processing, and organizing different insurance claims for a client. They usually work closely with the company's insurance agent to provide necessary information to process the clients' application. This career requires a broad knowledge of local and state insurance policies, good attention to detail, excellent communication skills, customer service skills, and administrative skills.

Insurance representative vs insurance clerk salary

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

	Insurance Representative	Insurance Clerk
Average salary	$35,958	$33,089
Salary range	Between $29,000 And $44,000	Between $27,000 And $39,000
Highest paying City	Lacey, WA	Henderson, NV
Highest paying state	Washington	New Hampshire
Best paying company	Santander Bank	Lenoir Memorial Hospital
Best paying industry	Finance	Finance

Differences between insurance representative and insurance clerk education

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

	Insurance Representative	Insurance Clerk
Most common degree	Bachelor's Degree, 45%	High School Diploma, 29%
Most common major	Business	Business
Most common college	University of Pennsylvania	-

Insurance representative vs insurance clerk demographics

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

	Insurance Representative	Insurance Clerk
Average age	46	44
Gender ratio	Male, 29.8% Female, 70.2%	Male, 8.3% Female, 91.7%
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, 13.8% Unknown, 4.3% Hispanic or Latino, 14.4% Asian, 3.9% White, 63.2% American Indian and Alaska Native, 0.5%
LGBT Percentage	7%	11%

Differences between insurance representative and insurance clerk 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.

Insurance clerk example responsibilities.

Manage front office check-in, insurance verification and certifications from doctors.
Establish and implement procedures for completion of patient super bills with proper diagnostic coding utilizing ICD-9 and CPT code manuals.
Maintain patient medical records insuring diagnosis codes (ICD-9) are itemized correctly and name and address of insurance carriers record.
Schedule and obtain authorization for outpatient procedures for patients via private insurance, worker's compensation, and Medicare/ Medicaid.
Complete several ICD-10 training courses.
Perform medical coding with most accurate and descriptive HCPCS code.

Insurance representative vs insurance clerk skills

Common insurance representative skills

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

Common insurance clerk skills

Patients, 25%
Insurance Verification, 7%
Data Entry, 7%
Customer Service, 6%
Insurance Coverage, 5%
Computer System, 3%

Insurance Representative vs. similar jobs

Insurance Representative related careers

Insurance Representative related jobs

What similar roles do

Zippia Careers
Sales Industry
Insurance Representative
Insurance Representative vs Insurance Clerk

Updated January 8, 2025

Browse sales jobs