Insurance Agent Job Description

INSURANCE AGENT SUMMARY OF FUNCTIONS

The Insurance Agent is responsible for selling policies that provide health, life, retirement income, and various other types of insurance to new and existing clients.

INSURANCE AGENT ESSENTIAL DUTIES AND RESPONSIBILITIES

• Uses initiative in identifying and soliciting prospects. Makes numerous personal contacts with prospective customers weekly and schedule interviews. Uses telephone or mail solicitation to help identify prospects.
• Explains services to potential customers using clear, non-technical language.
• Develops insurance plans, including plans for a single policy and those plans for comprehensive coverage.
• Closes transactions, which involves obtaining paperwork and the first premium and forwarding necessary documents to the insurance company for approval and issuance of policies.
• Follows-up on sales, providing any necessary service to existing customers and anticipating possible needs for additional coverage.

ORGANIZATIONAL RELATIONSHIPS

Reports to the organization’s Insurance Sales Manager.

INSURANCE AGENT QUALIFICATIONS

A high school diploma or GED is required; an associate’s or bachelor’s degree (business administration or accounting) is preferred.  A state license to sell insurance must be obtainable within six months of employment date; must be able to pass a background check.

INSURANCE AGENT PHYSICAL DEMANDS

Regular travel by automobile for conducting business is required (30-50%). Must be able to communicate well orally and in writing with customers and management; good presentation skill (to individuals and groups) is necessary. Regular use of telephone, e-mail, texting, and company app for communication is essential.

Good reasoning ability and math skills are required to solve a wide range of business problems. Able to understand and utilize sales/marketing reports and legal documents to conduct business.

Sitting for extended periods is common. Hearing and vision within normal ranges is helpful for normal conversations, to receive ordinary information and to prepare or inspect documents.

No heavy lifting is expected. Exertion of up to 10 lbs. of force occasionally may be required.  Good manual dexterity for the use of common office equipment such as computer terminals, calculator, copiers, and FAX machines.

WORK ENVIRONMENT

The job alternates between the traditional office setting and client sites (business, residence, etc.). Activities include extended periods of sitting and extensive work at computers (signing up clients, generating reports, contacting the office, using presentation software, etc.).