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Insurance Sales Agent  What They Do

Just the Facts

Sells life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.

This career is part of the Finance cluster Insurance pathway.

A person in this career:

  • Sells various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice.
  • Interviews prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage.
  • Calls on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
  • Seeks out new clients and develops clientele by networking to find new customers and generate lists of prospective clients.
  • Ensures that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
  • Customizes insurance programs to suit individual customers, often covering a variety of risks.
  • Explains features, advantages, and disadvantages of various policies to promote sale of insurance plans.
  • Calculates premiums and establishes payment method.
  • Inspects property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
  • Performs administrative tasks, such as maintaining records and handling policy renewals.

Insider Info

Dig into the details and check out what people in this job have to say about their work.

Working Conditions and Physical Demands

People who do this job report that:

  • You would often handle loads up to 10 lbs., sometimes up to 20 lbs. You might do a lot of walking or standing, or you might sit but use your arms and legs to control machines, equipment or tools.
  • Work in this occupation requires being inside most of the time
  • Work in this occupation involves sitting more than one-third of the time

Working in this career involves (physical activities):

  • Seeing clearly up close
  • Speaking clearly enough to be able to be understood by others
  • Identifying and understanding the speech of another person

Work Hours and Travel

  • Weekend work

Specialty and Similar Careers

Careers that are more detailed or close to this career:

  • Account Executive -- Employed by an organization such as a bank, public relations firm, or advertising agency who is responsible for the business of a specific client.
  • Broker -- Sells and manages insurance products across companies and risk types.
  • Surety Bond Agent -- Sells surety bonds, which is a third-party guarantee of performance from a contractor to an owner.