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Become An Insurance Sales Agent

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Working As An Insurance Sales Agent

  • Selling or Influencing Others
  • Communicating with Persons Outside Organization
  • Performing for or Working Directly with the Public
  • Establishing and Maintaining Interpersonal Relationships
  • Getting Information
  • Deal with People

  • Mostly Sitting

  • Make Decisions

  • $33,000

    Average Salary

What Does An Insurance Sales Agent Do

Insurance sales agents contact potential customers and sell one or more types of insurance. Insurance sales agents explain various insurance policies and help clients choose plans that suit them.

Duties

Insurance sales agents typically do the following:

  • Call potential clients in order to expand their own customer base
  • Interview prospective clients to get information about their financial resources and discuss existing coverage
  • Explain the features of various policies
  • Analyze clients’ current insurance policies and suggest additions or other changes
  • Customize insurance programs to suit individual clients
  • Handle policy renewals
  • Maintain electronic and paper records

Insurance sales agents commonly sell one or more types of insurance, such as property and casualty, life, health, and long-term care insurance.

Property and casualty insurance agents sell policies that protect people and businesses from financial loss resulting from automobile accidents, fire, theft, and other events that can damage property. For businesses, property and casualty insurance also covers workers’ compensation claims, product liability claims, or medical malpractice claims.

Life insurance agents specialize in selling policies that pay beneficiaries when a policyholder dies. Life insurance agents also sell annuities that promise a retirement income.

Health and long-term care insurance agents sell policies that cover the costs of medical care and assisted-living services in old age. They also may sell dental insurance and short-term and long-term disability insurance.

Agents may specialize in any one of these products or function as generalists providing multiple products.

An increasing number of insurance sales agents offer their clients—especially those approaching retirement—comprehensive financial-planning services. Such services include retirement planning, estate planning, and help in setting up pension plans for businesses. In addition to offering insurance, these agents may become licensed to sell mutual funds, variable annuities, and other securities. This practice is most common with life insurance agents who already sell annuities, but many property and casualty agents also sell financial products. For more information on agents who sell financial products, see the profile on securities, commodities, and financial services sales agents.

Many agents spend a lot of time marketing their services and creating their own base of clients. They do this in a variety of ways, including making “cold” sales calls to people who are not current clients.

Potential clients often use comparison shopping tools online to learn about different policies and obtain information from insurance companies. Clients can either purchase a policy directly from the website or contact the company to speak with a sales agent.

Insurance agents also find new clients through referrals by current clients. Keeping clients happy so that they recommend the agent to others is a key to success for insurance sales agents.

Insurance agents may work for a single insurance company or an insurance brokerage.

Captive agents are insurance sales agents who work exclusively for one insurance company. They can only sell policies provided by the company that employs them.

Independent insurance agents work for insurance brokerages, selling the policies of several companies. They match insurance policies for their clients with the company that offers the best rate and coverage.

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How To Become An Insurance Sales Agent

Although most employers require agents to have a high school diploma, many agents have a bachelor’s degree. Agents must be licensed in the states where they work.

Education

A high school diploma is the typical requirement for insurance sales agents, although a bachelor’s degree can improve one’s job prospects. Public-speaking classes can be useful in improving sales techniques, and often agents will have taken courses in business, finance, or economics. Business knowledge is also helpful for sales agents hoping to advance to a managerial position.

Training

Insurance sales agents learn many of their job duties on the job from other agents. Many employers have new agents shadow an experienced agent. This practice allows the new agent to learn how to conduct the company’s business and to understand how the agency interacts with clients.

Employers also are increasingly placing greater emphasis on continuing professional education as the variety of financial products sold by insurance sales agents grows. Changes in tax laws, government benefits programs, and other state and federal regulations can affect the insurance needs of clients and the way in which agents conduct business. Agents can enhance their selling skills and broaden their knowledge of insurance and other financial services by taking courses at colleges and universities or by attending conferences and seminars sponsored by insurance organizations.

Licenses, Certifications, and Registrations

Insurance sales agents must have a license in the states where they work. Separate licenses are required for agents to sell life and health insurance and property and casualty insurance. In most states, licenses are issued only to applicants who complete specified courses and who pass state exams covering insurance fundamentals and state insurance laws. Most state licensing authorities also require agents to take continuing education courses focusing on insurance laws, consumer protection, ethics, and the technical details of various insurance policies.

As the demand for financial-planning services increases, many agents also choose to get licensed and certified to sell securities and other financial products. Licensing and certification requires substantial study time to pass an additional exam—either the Series 6 or Series 7 licensing exam, both of which are administered by the Financial Industry Regulatory Authority (FINRA). The Series 6 exam is for agents who want to sell only mutual funds and variable annuities. The Series 7 exam is the main FINRA series license, which qualifies agents as general securities sales representatives.

A number of organizations offer certifications that show an agent’s expertise in insurance specialties. These certifications are not required for employment, but they can give job candidates an advantage over other applicants. Certifications also can be a source of continuing education credit. For details on specific designations, contact The Institutes and The American College of Financial Services.

Important Qualities

Analytical skills. Insurance sales agents must evaluate the characteristics of each client to determine the appropriate insurance policy.

Communication skills. Insurance sales agents must be able to communicate effectively with customers by listening to their requests and suggesting suitable policies.

Initiative. Insurance sales agents need to actively seek out new customers to maintain a flow of commissions.

Self-confidence. Insurance sales agents should be confident when making “cold” calls (calls to prospective customers who have not been contacted before). They must speak clearly and persuasively and maintain their composure if rejected.

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Insurance Sales Agent Career Paths

Insurance Sales Agent
Insurance Specialist Billing Manager Accounts Payable Manager
Accounts Payable/Receivable Manager
5 Yearsyrs
Finance Service Representative Service Officer Operations Officer
Assistant Vice President Operations
8 Yearsyrs
Sales Agent Account Executive
Business Development Manager
9 Yearsyrs
Call Center Representative Member Service Representative Branch Manager
Business Development Officer
7 Yearsyrs
Driver Operation Supervisor General Manager
Business Owner
6 Yearsyrs
Sales Agent Sales Manager
Director Of Sales
10 Yearsyrs
Account Manager Regional Sales Manager Director Of Sales
Director Of Sales And Marketing
9 Yearsyrs
Claims Adjuster Account Representative Branch Manager
Division Manager
8 Yearsyrs
Call Center Representative Service Representative Inside Sales Representative
Inside Sales Manager
6 Yearsyrs
Insurance Specialist Accounts Receivable Specialist Project Manager
Owner/Manager
6 Yearsyrs
Sales Manager Account Manager Recruiter
Recruitment Manager
6 Yearsyrs
Service Representative Specialist Account Manager
Regional Accounts Manager
8 Yearsyrs
Sales Manager Regional Sales Manager
Regional Sales Director
11 Yearsyrs
Driver Dispatcher Account Manager
Relationship Manager
6 Yearsyrs
Mortgage Consultant Assistant Vice President Risk Manager
Risk And Insurance Manager
6 Yearsyrs
Territory Manager Territory Business Manager Pharmaceutical Sales Specialist
Sales Contractor
6 Yearsyrs
Claims Adjuster Case Manager Service Coordinator
Service Manager
6 Yearsyrs
Finance Service Representative Realtor Design Consultant
Showroom Manager
5 Yearsyrs
Account Manager Account Executive
Territory Manager
7 Yearsyrs
Service Representative Account Manager Account Executive
Territory Sales Manager
7 Yearsyrs
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Do you work as an Insurance Sales Agent?

Help others decide if this is a good career for them

Average Length of Employment
Insurance Broker 3.5 years
Sales Producer 2.7 years
Insurance Agent 2.5 years
Licensed Agent 2.4 years
Direct Sales Agent 2.3 years
Field Agent 2.3 years
Sales Agent 2.0 years
Insurance Producer 1.9 years
Top Careers Before Insurance Sales Agent
Cashier 6.4%
Manager 4.3%
Teller 4.1%
Internship 2.2%
Supervisor 2.1%
Top Careers After Insurance Sales Agent
Manager 3.6%
Agent 3.4%
Owner 3.2%
Cashier 3.2%
Teller 2.5%

Do you work as an Insurance Sales Agent?

Insurance Sales Agent Demographics

Gender

Female

49.3%

Male

48.4%

Unknown

2.3%
Ethnicity

White

59.8%

Hispanic or Latino

17.8%

Black or African American

11.8%

Asian

7.0%

Unknown

3.6%
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Foreign Languages Spoken

Spanish

67.1%

French

9.1%

German

3.2%

Italian

2.7%

Chinese

2.7%

Portuguese

2.3%

Hindi

1.4%

Russian

1.4%

Urdu

1.4%

Cantonese

1.4%

Arabic

1.4%

Mandarin

0.9%

Hmong

0.9%

Carrier

0.9%

Japanese

0.9%

Vietnamese

0.5%

Korean

0.5%

Danish

0.5%

Bulgarian

0.5%

Hawaiian

0.5%
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Insurance Sales Agent Education

Schools

University of Phoenix

22.7%

Ashford University

6.5%

Kaplan University

6.5%

Liberty University

5.5%

University of Central Florida

4.8%

University of South Florida

4.5%

Arizona State University

4.5%

Strayer University

4.5%

Grand Canyon University

4.1%

University of Louisiana at Lafayette

3.8%

Southern New Hampshire University

3.8%

University of Tennessee - Knoxville

3.4%

West Virginia University

3.4%

Central Connecticut State University

3.4%

Troy University

3.1%

Texas State University

3.1%

Iowa State University

3.1%

Colorado Technical University

3.1%

Eastern Kentucky University

3.1%

Hillsborough Community College

3.1%
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Majors

Business

35.5%

Insurance

7.0%

Criminal Justice

5.2%

Accounting

5.2%

Management

4.8%

Marketing

4.5%

Psychology

4.5%

Communication

4.3%

Finance

4.2%

Health Care Administration

2.9%

General Studies

2.8%

Nursing

2.8%

Education

2.8%

Political Science

2.3%

Liberal Arts

2.2%

Computer Science

2.1%

Biology

1.7%

Elementary Education

1.7%

Economics

1.7%

History

1.7%
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Degrees

Bachelors

39.1%

Other

30.7%

Associate

11.5%

Masters

9.6%

Certificate

4.2%

License

2.8%

Diploma

1.3%

Doctorate

0.8%
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Real Insurance Sales Agent Salaries

Job Title Company Location Start Date Salary
Insurance Sales Agents Willis of New York, Inc. New York, NY Jan 20, 2011 $149,250
Insurance Sales Agents Swett & Crawford Miami, FL Dec 04, 2012 $101,000
Insurance Sales Agents Willis of Tennessee, Inc. Nashville, TN Mar 06, 2008 $95,000
Insurance Sales Agents Marsh Inc. Chicago, IL Jan 12, 2010 $91,500
Insurance Sales Agents Willis Americas Administration, Inc. Morristown, NJ Aug 15, 2014 $76,669 -
$80,000
Insurance Sales Agent Ames & Gough Insurance/Risk Management, Inc. Atlanta, GA Jun 04, 2010 $75,000
Insurance Sales Agents Willis of New York, Inc. New York, NY May 14, 2008 $73,000
Insurance Sales Agent Foundation Insurance Group, Inc. Arlington, VA Mar 29, 2010 $70,075
Insurance Sales Agents Speedlane Insurance Montebello, CA Mar 01, 2013 $66,972
Insurance Sales Agents American Best Agency Inc. Las Vegas, NV Dec 30, 2010 $60,000
Insurance Sales Agents Aspen Holdings Inc. Henderson, NV Mar 04, 2010 $59,897
Insurances Sales Agents Sumitomo Life Insurance Agency America, Inc. New York, NY Apr 04, 2011 $57,685
Insurance Sales Agents Actinver Securities, Inc. San Antonio, TX May 22, 2012 $56,389 -
$80,000
Insurance Sales Agent Cosmos Services (America) Inc. New York, NY Jul 20, 2009 $53,810
Insurance Sales Agent BGK Insurance Services Inc. National City, CA Dec 08, 2009 $52,592
Insurance Sales Agent Revival Auto Insurance Sales Pico Rivera, CA Oct 26, 2007 $52,175
Insurance Sales Agents Holmes Murphy & Associates West Des Moines, IA Mar 26, 2010 $51,293
Insurance Sales Agent Advance Insurance & Benefits Nv Inc. Las Vegas, NV Sep 17, 2008 $46,853
Insurance Sales Agent Vivianna Lee, LLC Blue Bell, PA Mar 09, 2016 $44,349
Insurance Sales Agent Vivianna Lee, LLC Blue Bell, PA Sep 05, 2015 $44,349
Insurance Sales Agent Charlotte Insurance Charlotte, NC Sep 04, 2008 $42,702
Insurance Sales Agents Sumitomo Life Insurance Agency America, Inc. New York, NY Jul 07, 2014 $42,702
Insurance Sales Agents Gwynn Vaughan Insurance, Inc. Columbus, OH Apr 21, 2011 $42,661
Insurance Sales Agent Keen Insurance Associates LLC Ocean City, MD Sep 15, 2016 $40,768
Independent Insurance Sales Agent The Roebuck Group, LLC Chesapeake, VA Dec 01, 2010 $40,000 -
$45,000
Insurance Sales Agent KRH Enterprises, Inc. Newark, DE Sep 08, 2015 $40,000
Insurance Sales Agent Somerset Benefits, LLC Berwyn, PA Sep 16, 2014 $40,000
Insurance Sales Agents RAPO and Jepsen Insurance Services Framingham, MA Sep 24, 2013 $40,000
Insurance Sales Agents Chrash Insurance SVCS Inc., DBA Boxborough, MA Jan 28, 2011 $35,448
Insurance Sales Agents United Insurance Agencies Marion, IA Aug 05, 2013 $35,000

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AVERAGE SALARY FOR An Insurance Sales Agent

Average Yearly Salary
$33,000
View Detailed Salary Report
$21,000
Min 10%
$33,000
Median 50%
$33,000
Median 50%
$33,000
Median 50%
$33,000
Median 50%
$33,000
Median 50%
$33,000
Median 50%
$33,000
Median 50%
$52,000
Max 90%
Best Paying Company
First Health Group Corp
Highest Paying City
Urban Honolulu, HI
Highest Paying State
Hawaii
Avg Experience Level
2.4 years
How much does an Insurance Sales Agent make at top companies?
The national average salary for an Insurance Sales Agent in the United States is $33,709 per year or $16 per hour. Those in the bottom 10 percent make under $21,000 a year, and the top 10 percent make over $52,000.

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Top Skills for An Insurance Sales Agent

  1. Life Insurance
  2. Insurance Companies
  3. Customer Service
You can check out examples of real life uses of top skills on resumes here:
  • Discussed advantages and disadvantages of various life insurance policies.
  • Provided exemplary customer service as liaison between insurance companies and clients.
  • Improved customer retention rate by developing long-term business relationship with our clients through maximum customer service.
  • Provided better understanding of insurance policies to new clients through extensive training received in customer relations and policy management.
  • Perform needs analysis for prospects, obtaining data, financial resources and physical condition of person or property to be insured.

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Top 10 Best States for Insurance Sales Agents

  1. Nebraska
  2. Wisconsin
  3. North Dakota
  4. Connecticut
  5. Pennsylvania
  6. Massachusetts
  7. Rhode Island
  8. South Dakota
  9. Illinois
  10. Minnesota
  • (66 jobs)
  • (137 jobs)
  • (43 jobs)
  • (87 jobs)
  • (283 jobs)
  • (107 jobs)
  • (22 jobs)
  • (39 jobs)
  • (625 jobs)
  • (126 jobs)

Top Insurance Sales Agent Employers

Jobs From Top Insurance Sales Agent Employers

Insurance Sales Agent Videos

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