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 representative responsibilities
Here are examples of responsibilities from real insurance representative resumes:
- 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.
- Determine eligibility for PACE/PACENET state programs, and retrieve information via EVS, CMS, and Medicare.gov website.
- Update customer's accounts in the AS400 system.
- Process Medicare supplemental claims with high quality and quantity performance ratings.
- Deliver on the GEICO promise to customers by solving problems and giving competent insurance advice in a courteous and proficient manner.
Insurance representative skills and personality traits
We calculated that 18% of Insurance Representatives are proficient in Customer Service, Patients, and Health Insurance. They’re also known for soft skills such as Analytical skills, Communication skills, and Initiative.
We break down the percentage of Insurance Representatives that have these skills listed on their resume here:
- Customer Service, 18%
Worked diligently at relationship building between both my company and Progressive to streamline replacement rental practice and provide stellar customer service.
- Patients, 16%
Facilitated communications between doctors, hospitals, third party insurance companies and patients to obtain and verify patient billing information.
- Health Insurance, 6%
Educated customers over the phone to ensure customer understanding of health insurance products which resulted in increased sales efficiency and productivity.
- Medicaid, 4%
Reviewed medical web sites and Medicare inquiry system to determine eligibility for Medicaid and other insurance policies.
- Insurance Coverage, 4%
Greeted customers/answered phones* Quote and explain in detail insurance coverage to customers* Send notices to customers concerning insurance matters
- Data Entry, 4%
Conduct analysis and data entry of service requests through utilization of general knowledge of all Liberty Life products.
"customer service," "patients," and "health insurance" are among the most common skills that insurance representatives use at work. You can find even more insurance representative responsibilities below, including:
Analytical skills. The most essential soft skill for an insurance representative to carry out their responsibilities is analytical skills. This skill is important for the role because "insurance sales agents must evaluate the needs of each client to determine the appropriate insurance policy." Additionally, an insurance representative resume shows how their duties depend on analytical skills: "complete high volume of data entry by quickly and accurately processing loan-related task queues to meet productivity and quality requirements. "
Communication skills. Another essential skill to perform insurance representative duties is communication skills. Insurance representatives responsibilities require that "insurance sales agents must listen to clients and be able to clearly explain suitable policies." Insurance representatives also use communication skills in their role according to a real resume snippet: "exhibited strong communication skills toward cultivating a solid company image via delivery of quality customer service. "
Initiative. This is an important skill for insurance representatives to perform their duties. For an example of how insurance representative responsibilities depend on this skill, consider that "insurance sales agents need to actively seek out new clients in order to increase business." This excerpt from a resume also shows how vital it is to everyday roles and responsibilities of an insurance representative: "assist with sales, marketing, and customer service initiatives resulting in significant revenue gains. ".
Self-confidence. A big part of what insurance representatives do relies on "self-confidence." You can see how essential it is to insurance representative responsibilities because "insurance sales agents should be confident when contacting prospective clients." Here's an example of how this skill is used from a resume that represents typical insurance representative tasks: "applied active listening skills to gather confidential data from customers and inputted data in computer system meeting confidentiality policies. "
The three companies that hire the most insurance representatives are:
- Lincoln Heritage334 insurance representatives jobs
- Sanford Health14 insurance representatives jobs
- Randstad North America, Inc.9 insurance representatives jobs
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Insurance representative vs. Licensed sales 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. They are responsible for promoting customer service and creates a good relationship between the company and the insurer. They also serve as a point of a contract if there are insurers that need someone who can assist them with what particular package they can get.
These skill sets are where the common ground ends though. The responsibilities of an insurance representative are more likely to require skills like "patients," "medicaid," "data entry," and "patient accounts." On the other hand, a job as a licensed sales producer requires skills like "life insurance," "product knowledge," "sales presentations," and "processing payments." As you can see, what employees do in each career varies considerably.
Licensed sales producers tend to make the most money working in the manufacturing industry, where they earn an average salary of $39,583. In contrast, insurance representatives make the biggest average salary, $38,752, in the finance industry.On average, licensed sales producers reach similar levels of education than insurance representatives. Licensed sales producers are 0.4% less likely to earn a Master's Degree and 0.1% less likely to graduate with a Doctoral Degree.Insurance representative vs. Licensed insurance producer
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. Besides building a client base, they also need to handle current policies, process renewals, monitor claims, maintain an accurate record of transactions, prepare progress reports and strategies, and distribute policy proceeds according to the company rules and regulations.
Each career also uses different skills, according to real insurance representative resumes. While insurance representative responsibilities can utilize skills like "patients," "health insurance," "medicaid," and "insurance coverage," licensed insurance producers use skills like "work ethic," "strong work ethic," "lead generation," and "financial services."
Licensed insurance producers may earn a higher salary than insurance representatives, but licensed insurance producers earn the most pay in the finance industry with an average salary of $60,870. On the other hand, insurance representatives receive higher pay in the finance industry, where they earn an average salary of $38,752.In general, licensed insurance producers achieve similar levels of education than insurance representatives. They're 0.4% more likely to obtain a Master's Degree while being 0.1% more likely to earn a Doctoral Degree.Insurance representative vs. Licensed insurance agent
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.
Some important key differences between the two careers include a few of the skills necessary to fulfill the responsibilities of each. Some examples from insurance representative resumes include skills like "patients," "data entry," "patient accounts," and "auto insurance," whereas a licensed insurance agent is more likely to list skills in "excellent time management," "work ethic," "strong work ethic," and "strong customer service. "
Licensed insurance agents make a very good living in the finance industry with an average annual salary of $52,022. On the other hand, insurance representatives are paid the highest salary in the finance industry, with average annual pay of $38,752.licensed insurance agents typically earn similar educational levels compared to insurance representatives. Specifically, they're 1.0% more likely to graduate with a Master's Degree, and 0.0% more likely to earn a Doctoral Degree.Insurance representative vs. Health insurance agent
Types of insurance representative
Updated January 8, 2025