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Become A Licensed Agent

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Working As A Licensed 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

  • $48,200

    Average Salary

What Does A Licensed Agent Do At Texas Workforce Commission

* You will be responsible for expanding the company's book of business by selling Commercial Insurance policies to new and existing clients.
* You will be developing new business via prospecting, call in leads and phone calls.
* Expected to maintain a portfolio of accounts while generating a pipeline of new business opportunities

How To Become A Licensed 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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Top Skills for A Licensed Agent

CustomerServiceMedicareAdvantageLifeInsurancePoliciesFinancialNeedsAutoPoliciesHealthInsuranceLifeInsuranceProductsInsuranceCompaniesPotentialClientsPersonalLinesRealEstateInsurancePlansInboundCallsHealthPlansPrescriptionDrugPlansNewClientsPolicyChangesBusinessOwnersPhoneCallsDisability

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Top Licensed Agent Skills

  1. Customer Service
  2. Medicare Advantage
  3. Life Insurance Policies
You can check out examples of real life uses of top skills on resumes here:
  • Model exceptional customer service skills and appropriate diagnostic sales techniques.
  • Provided Medicare Advantage Plans to Medicare beneficiaries.
  • Prepare quotes for individual and small group life insurance policies using an employee census.
  • Conduct confidential financial needs analysis and present customized financial plans for clients.
  • Answered high volumes of calls related to service of existing auto policies, as well as the purchase of new policies.

Top Licensed Agent Employers

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