Insurance sales agent vs insurance representative

The differences between insurance sales agents and insurance representatives can be seen in a few details. Each job has different responsibilities and duties. Additionally, an insurance sales agent has an average salary of $49,587, which is higher than the $35,958 average annual salary of an insurance representative.

The top three skills for an insurance sales agent include customer service, casualty insurance and work ethic. The most important skills for an insurance representative are customer service, patients, and health insurance.

Insurance sales agent vs insurance representative overview

	Insurance Sales Agent	Insurance Representative
Yearly salary	$49,587	$35,958
Hourly rate	$23.84	$17.29
Growth rate	6%	6%
Number of jobs	73,485	87,843
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 51%	Bachelor's Degree, 45%
Average age	46	46
Years of experience	-	-

What does an insurance sales agent do?

An insurance sales agent is an individual who helps an insurance company generate new business by contacting customers and selling one or more types of insurance. Insurance sales agents conduct interviews of prospective clients to get data about their financial resources and explain the features of the various insurance policies. They analyze the clients' existing insurance policies and customize insurance programs to suit their needs. Insurance sales agents also do other administrative tasks, such as keeping records and handling policy renewals.

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 sales agent vs insurance representative salary

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

	Insurance Sales Agent	Insurance Representative
Average salary	$49,587	$35,958
Salary range	Between $30,000 And $80,000	Between $29,000 And $44,000
Highest paying City	New York, NY	Lacey, WA
Highest paying state	Hawaii	Washington
Best paying company	Torchmark	Santander Bank
Best paying industry	Finance	Finance

Differences between insurance sales agent and insurance representative education

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

	Insurance Sales Agent	Insurance Representative
Most common degree	Bachelor's Degree, 51%	Bachelor's Degree, 45%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Insurance sales agent vs insurance representative demographics

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

	Insurance Sales Agent	Insurance Representative
Average age	46	46
Gender ratio	Male, 51.5% Female, 48.5%	Male, 29.8% Female, 70.2%
Race ratio	Black or African American, 9.4% Unknown, 3.6% Hispanic or Latino, 16.1% Asian, 4.9% White, 65.8% American Indian and Alaska Native, 0.1%	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%
LGBT Percentage	7%	7%

Differences between insurance sales agent and insurance representative duties and responsibilities

Insurance sales agent example responsibilities.

Train and manage employees and achieve significant improvements in their productivity & maintain sales go9als consistently.
Used consultative upselling techniques to provide leads
Calculate rates and premiums for fire, casualty insurance, automobile, homeowners, and other specialize insurance policies.
License property and casualty insurance agent and office manager.
Market property and casualty insurance to potential clients while assisting policyholders with coverage and claims.
Follow strict HIPPA regulations while dealing with delicate information.

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 sales agent vs insurance representative skills

Common insurance sales agent skills

Customer Service, 16%
Casualty Insurance, 14%
Work Ethic, 11%
Insurance Coverage, 8%
AAA, 8%
Develop Leads, 5%

Common insurance representative skills

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

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Insurance Sales Agent
Insurance Sales Agent vs Insurance Representative

Updated January 8, 2025

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