How to hire an insurance sales representative

How to hire an insurance sales representative, step by step

Here's a step-by-step insurance sales representative hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write an insurance sales representative job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new insurance sales representative
• Step 8: Go through the hiring process checklist

What does an insurance sales representative do?

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1. Identify your hiring needs

   Before you start hiring an insurance sales representative, identify what type of worker you actually need. Certain positions might call for a full-time employee, while others can be done by a part-time worker or contractor.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   You should also consider the ideal background you'd like them an insurance sales representative to have before you start to hire. For example, what industry or field would you like them to have experience in, what level of seniority or education does the job require, and how much it'll cost to hire an insurance sales representative that fits the bill.

   Here's a comparison of insurance sales representative salaries for various roles:

   Type of Insurance Sales Representative	Description	Hourly rate
   Insurance Sales Representative	Insurance sales agents help insurance companies generate new business by contacting potential customers and selling one or more types of insurance. Insurance sales agents explain various insurance policies and help clients choose plans that suit them.	$18-46
   Sales Agent	A sales representative is responsible for offering goods and services to potential and existing clients. Sales representatives must display a strong knowledge of the company's products to assist customers with their inquiries and concerns... Show more	$10-45
   Licensed Insurance Agent	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... Show more	$15-42

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Customer Service
   • Excellent Time Management
   • Work Ethic
   • Strong Customer Service
   • Strong Work Ethic
   • Lead Generation
   • Product Knowledge
   • Financial Resources
   • Insurance Coverage
   • Securities
   • Health Insurance Products
   • Sales Presentations
   • Life Insurance Products
   • Business Relationships

   Check all skills

   Responsibilities:

   • Used consultative upselling techniques to provide leads
   • Translate and assign diagnosis and medical procedures into CPT, ICD-9 and ICD-10 codes.
   • Lead rep for major payer.
   • Monitor the performance of each account rep.
   • Educate physicians and clinic staff on current ICD 9 and CPT coding regulations.
   • Comply with company policy, procedures, and pertinent laws and regulation such a HIPAA.

   More insurance sales representative duties

3. Make a budget

   Including a salary range in your insurance sales representative job description helps attract top candidates to the position. An insurance sales representative salary can be affected by several factors, such as geography, experience, seniority, certifications, and the prestige of the hiring company.

   For example, the average salary for an insurance sales representative in Arizona may be lower than in New York, and an entry-level insurance sales representative usually earns less than a senior-level insurance sales representative. Additionally, an insurance sales representative with certifications may command a higher salary, and working for a well-known company or start-up may also impact an employee's pay.

   Average insurance sales representative salary

   $61,386yearly

   $29.51 hourly rate

   ---

   Entry-level insurance sales representative salary

   $38,000 yearly salary

   Updated December 25, 2025

   Average insurance sales representative salary by state

   Rank	State	Avg. salary	Hourly rate
   1	District of Columbia	$79,443	$38
   2	New York	$72,293	$35
   3	Wisconsin	$72,172	$35
   4	Massachusetts	$69,433	$33
   5	South Dakota	$66,925	$32
   6	Ohio	$66,552	$32
   7	Alabama	$64,531	$31
   8	Minnesota	$64,208	$31
   9	Indiana	$64,199	$31
   10	California	$63,486	$31
   11	North Dakota	$62,597	$30
   12	Maryland	$62,007	$30
   13	Pennsylvania	$61,801	$30
   14	North Carolina	$60,640	$29
   15	Maine	$59,598	$29
   16	Kansas	$57,895	$28
   17	Michigan	$57,220	$28
   18	Tennessee	$56,904	$27
   19	Nebraska	$56,866	$27
   20	Illinois	$56,699	$27

   Average insurance sales representative salary by company

   Company

   Rank	Company	Average salary	Hourly rate	Job openings
   1	FFL Partners	$127,892	$61.49	2
   2	Jordan Company	$121,962	$58.64
   3	Eaton	$98,171	$47.20	11
   4	Realogy	$93,437	$44.92
   5	GPAC	$81,906	$39.38
   6	Harbor Light Hospice	$81,458	$39.16
   7	Liberty Mutual Insurance	$78,401	$37.69	5
   8	Washington National Cathedral	$76,329	$36.70
   9	Volt Systems LLC	$70,808	$34.04
   10	Boyd Group Services	$70,672	$33.98	3
   11	GoHealth	$70,504	$33.90
   12	Tbg Partners	$69,827	$33.57	1
   13	Koch Industries	$69,526	$33.43
   14	Kennedy	$68,224	$32.80
   15	Luna	$65,679	$31.58
   16	Symmetry Financial Group	$65,664	$31.57	16
   17	Ideal Concepts	$65,533	$31.51	3
   18	New York Life Insurance	$65,447	$31.46	104
   19	PMA USA	$65,081	$31.29
   20	Alliance Co	$64,408	$30.97	2

4. Writing an insurance sales representative job description

   A good insurance sales representative job description should include a few things:

   • Summary of the role
   • List of responsibilities
   • Required skills and experience

   Including a salary range and the first name of the hiring manager is also appreciated by candidates. Here's an example of an insurance sales representative job description:

   Insurance sales representative job description example

   Our agency is growing and The Luna Agency wants you! As an award winning insurance agency, we are always looking to stay one step ahead of the game. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential!
   Benefits
   
   Base Salary with Commissions Bonus Opportunities Weekends Off Holidays Off Team Building Activities Hands On Training Performance Bonuses Professional Work Environment Office Snacks & Coffee
   
   Responsibilities
   
   Meet new business production goals and objectives as established. Solicits for new business via telephone, networking, and other lead sources. Develop insurance?quotes, makes sales presentations, and closes sales. Develop ongoing networking relationships with Real Estate Agents, Mortgage Lenders, Title Companies, Auto Dealers, etc. Secure all Trailing Documents from customers. Immediately greet all customers, entering the office, in a friendly and helpful manner. Ask each customer for referrals and explain our referral program. Treat each customer contact as a cross and upsell opportunity including financial products. Answer incoming phone calls on the first ring. Maintain knowledge of new products. Generating insurance quotes. Cold call, direct email and perform other lead generation activities. Maintains phone time or sales quotas as determined by management.
   
   Requirements
   
   ? Possess an upbeat, positive and enthusiastic attitude. Create relationships from a cold start. Proficiency to multi-task, follow-thru and follow-up. Excellent Spelling and Grammar skills. Problem-Solving Capabilities. Driven and goal-oriented individual. Be capable of handling customer rejection. Strong communication and negotiation skills. Interested in a sales career, sales experience preferred

   Copy this example

   

5. Post your job

   To find the right insurance sales representative for your business, consider trying out a few different recruiting strategies:

   • Consider internal talent. One of the most important sources of talent for any company is its existing workforce.
   • Ask for referrals. Reach out to friends, family members, and current employees and ask if they know or have worked with insurance sales representatives they would recommend.
   • Recruit at local colleges. Attend job fairs at local colleges to recruit insurance sales representatives who meet your education requirements.
   • Social media platforms. LinkedIn, Facebook and Twitter now have more than 3.5 billion users, and you can use social media to reach potential job candidates.

   Post your job online:

   • Post your insurance sales representative job on Zippia to find and attract quality insurance sales representative candidates.
   • Use niche websites such as salesjobs, salesheads, allretailjobs.com, sales trax.
   • Post a job on free websites.

6. Interview candidates

   To successfully recruit insurance sales representatives, your first interview needs to engage with candidates to learn about their interest in the role and experience in the field. You can go into more detail about the company, the role, and the responsibilities during follow-up interviews.

   It's also good to ask about candidates' unique skills and talents. You can move on to the technical interview if a candidate is good enough for the next step.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new insurance sales representative

   Once you've decided on a perfect insurance sales representative candidate, it's time to write an offer letter. In addition to salary, it should include benefits and perks available to the employee. Qualified candidates may be considered for other positions, so make sure your offer is competitive. Candidates may wish to negotiate. Once you've settled on the details, formalize your agreement with a contract.

   You should also follow up with applicants who don't get the job with an email letting them know that you've filled the position.

   To prepare for the new insurance sales representative first day, you should share an onboarding schedule with them that covers their first period on the job. You should also quickly complete any necessary paperwork, such as employee action forms and onboarding documents like I-9, benefits enrollment, and federal and state tax forms. Finally, Human Resources must ensure a new employee file is created for internal record keeping.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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How much does it cost to hire an insurance sales representative?