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Insurance Sales Agents

Sell 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.

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    Work Activities

    Work Activities

    • Customize insurance programs to suit individual customers, often covering a variety of risks.
    • Sell 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.
    • Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
    • Perform administrative tasks, such as maintaining records and handling policy renewals.
    • Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
    • Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
    • Confer with clients to obtain and provide information when claims are made on a policy.
    • Interview 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.
    • Contact underwriter and submit forms to obtain binder coverage.
    • Select company that offers type of coverage requested by client to underwrite policy.
    • Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
    • Develop marketing strategies to compete with other individuals or companies who sell insurance.
    • Calculate premiums and establish payment method.
    • Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
    • Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
    • Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.

    Skills

    • Reading Comprehension

      Understanding written sentences and paragraphs in work related documents.

    • Active Listening

      Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

    • Speaking

      Talking to others to convey information effectively.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    6
    Graphic Literacy
    5

    Abilities

    • Oral Comprehension

      The ability to listen to and understand information and ideas presented through spoken words and sentences.

    • Oral Expression

      The ability to communicate information and ideas in speaking so others will understand.

    • Written Comprehension

      The ability to read and understand information and ideas presented in writing.

    Knowledge

    • Customer and Personal Service

      Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

    • Sales and Marketing

      Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

    • English Language

      Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 55440/yr
    • Typical Salary
    • Ohio Hourly Wage 26.65/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 18,470
    • Yearly Projected Openings 2,060

    Typical Education

    Personality

    Enterprising: People interested in this work like activities that include leading, making decisions, and business. They do well at jobs that need:
    • Integrity
    • Independence
    • Attention to Detail
    • Achievement/Effort
    • Dependability
    • Initiative

    Tools

    • Notebook computers
    • Laser fax machine
    • Franking or postage machines
    • Digital cameras
    • Desktop computers

    Technology

    • Video creation and editing software
    • Medical software
    • Financial analysis software
    • Enterprise resource planning ERP software
    • Customer relationship management CRM software

    Tags

    • InDemand occupations are considered a priority by the state of Ohio.
    • Bright Outlook occupations will grow rapidly in the next few years, have a large number of openings, or are new and emerging careers.

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    Workforce Supply Tool

    Workforce Supply Tool

    The Workforce Supply Tool provides statistics for the occupations in highest demand throughout Ohio.

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