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Become A Licensed Insurance Producer

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Working As A Licensed Insurance Producer

  • 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

Example Of What A Licensed Insurance Producer does

  • Assist with a variety of administrative tasks and data entry as needed
  • Developed leads of potential commercial contacts through cold calls and new business databases.
  • Offered Whole-Life, Term-Life and Disability Insurance.
  • March 2013 Sold Property & Casualty Insurance
  • Meet monthly sales goals of 20 Autos, 12 Fire, 2 Life and at least one financial product.
  • Compare and contrast top 25 a-rated insurance companies.
  • Sell, quote and bind all forms of fire and auto insurance and banking products.
  • Assisted policy holders on setting up payment options and plans.
  • Sell Non-Exchange Health Insurance products and Term Life Insurance.
  • Write and service property, auto, motorcycle, boat, commercial, umbrella, flood, and general liability policies.
  • Sell and service auto, home and life insurance policies for the Allstate Insurance Company.
  • Advised policyholders of policy changes, applied endorsements to policies.
  • Maintained high level of customer service.
  • Approach potential clients by utilizing mailings and phone solicitation; making presentations to on the subject of financial well-being.
  • Certified State Farm Bank representative.
  • Award winning sales of varies Health and Life Insurance policies for B2B accounts.
  • Calculate premiums and establish payment method.
  • Identified new clients for senior agents.
  • Developed insurance quotes and made sales presentations.
  • Customize insurance to suit individual needs, financial situations, and coverages by fact-finding and reviewing their current coverage.

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How To Become A Licensed Insurance Producer

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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Licensed Insurance Producer jobs

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Top Skills for A Licensed Insurance Producer

CustomerServiceAutoInsuranceFinancialSituationsLifeInsurancePoliciesHealthInsuranceProductsMedicareAdvantagePotentialClientsInsuranceCompaniesCasualtyInsuranceNewClientsPersonalLinesMonthlySalesGoalsStateFarmNewCustomersLiabilityDataEntryPolicyChangesAllstateInsurancePlansDisability

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Top Licensed Insurance Producer Skills

  1. Customer Service
  2. Auto Insurance
  3. Financial Situations
You can check out examples of real life uses of top skills on resumes here:
  • Provide excellent customer service including researching & resolving customer inquiries.
  • Licensed sales professional working within a team focused primarily on auto insurance
  • Determine clients' particular needs and financial situations by scheduling appointments; determine extent of present coverage; ascertaining long-term goals.
  • Utilized Agency marketing systems developed to solicit and sell insurance and related products including Auto, Home, Life Insurance policies.
  • Sell Non-Exchange Health Insurance products and Term Life Insurance.

Top Licensed Insurance Producer Employers

Licensed Insurance Producer Videos

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