Insurance Sales Agents

Insurance Sales Agents Tasks Performed

Attend meetings, seminars and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts. 

Calculate premiums and establish payment method. 

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. 

Contact underwriter and submit forms to obtain binder coverage. 

Customize insurance programs to suit individual customers, often covering a variety of risks. 

Develop marketing strategies to compete with other individuals or companies who sell insurance. 

Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms. 

Explain features, advantages and disadvantages of various policies to promote sale of insurance plans. 

Explain necessary bookkeeping requirements for customer to implement and provide group insurance program. 

Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk. 

Install bookkeeping systems and resolve system problems. 

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. 

Monitor insurance claims to ensure they are settled equitably for both the client and the insurer. 

Perform administrative tasks, such as maintaining records and handling policy renewals. 

Plan and oversee incorporation of insurance program into bookkeeping system of company. 

Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients. 

Select company that offers type of coverage requested by client to underwrite policy. 

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.

Insurance Sales Agents Work Activities

access media advertising services 
calculate insurance premiums or awards 
calculate rates for organization's products or services 
communicate visually or verbally 
compute financial data 
conduct sales presentations 
determine customer needs 
evaluate degree of financial risk 
fill out business or government forms 
follow contract, property, or insurance laws 
inspect property 
install computer programs 
interview customers 
maintain records, reports, or files 
make decisions 
make presentations 
motivate people 
obtain information from individuals 
provide customer service 
sell insurance policies 
use accounting or bookkeeping software 
use computers to enter, access or retrieve data 
use interpersonal communication techniques 
use knowledge of written communication in sales work 
use marketing techniques 
use telephone communication techniques 

use word processing or desktop publishing software

source : www.insurancejobs.com

Insurance Job Descriptions

Insurance Job Descriptions
By Elizabeth Morgan

In the United States, insurance plays an important role in people's lives since people use it to pay for medical bills, protect their property and to pay for unexpected expenses. This means that there is a big market that insurance companies can fill, using the help of insurance agents. These agents are the frontline personnel who sell the company's insurance policies. The career prospects for insurance agents can be considered to be bright, which means that people who wish to become agents can look forward to a fairly lucrative career. However, before taking the plunge, people still need to be aware of what to expect when they become insurance agents.

General job description

The main responsibility of an insurance agent is to sell insurance policies, which he does by helping individuals and companies select the kind of insurance that fits their needs, including health and property insurance. In addition to this, an insurance agent also prepares reports, maintains records and seeks out new clients. In the event of a loss, an insurance agent is also expected to help a policyholder make a claim on his policy. Insurance agents can choose to work exclusively for an insurance company or he may choose to represent a number of insurance companies.

Specific job description

Just like in other professions, insurance agents can also choose to specialize in a specific field of expertise An agent can choose to specialize in property, casualty, life, health, disability, and long term care insurance policies. For example, an agent who may choose to specialize in property insurance is expected to sell to individuals or businesses various types of insurance that aim to protect properties, such as homes and cars, against fire, accidents, theft, and other events that may cause damage to the property. Another example is the current trend among insurance agents who also offer comprehensive financial planning services in setting up various pension and investment plans.

Given the premium that Americans place on insurance, insurance agents have access to a large market of people who wish to insure their health, their property and their investments. People who may wish to become agents need to be aware of the job descriptions of agents, especially based on the different type of specializations available so that they can be guided on the specific field they would want to focus on when they become agents.
Job Descriptions provides detailed information on job descriptions, accounting job descriptions, free resume-writing tips, how to write a resume and more. Job Descriptions is affiliated with Executive Job Search.

Article Source: http://EzineArticles.com/?expert=Elizabeth_Morgan

State Farm Insurance and Financial Services Agent

Job Description 

GROW. LEAD. SUCCEED.

  

The State Farm Agent Opportunity. 

 

Join the nation's leading auto and home insurance company as a State Farm Agent and experience personal success running your own agency in your own community. 

State Farm, ranked in the top 50 on the Fortune 500 list of companies, is seeking individuals with an entrepreneurial spirit and the desire to work in Hilton, Penn Yan, Newark and other surrounding areas, NY.

  

Benefits from the first day: 
Paid training & side by side mentor agent coaching. 
Among the industry's most attractive incentive & rewards program. 
A work environment that allows you control over your time. 
Opportunity to represent a full range of insurance & financial services products. 
National marketing & advertising support. 
The highest retention rate of agents in the industry. 

 

The State Farm Agent Opportunity allows you to create financial freedom and flexibility through a compensation package that rewards successful marketing of our products and services to customers. 

 

Qualifications: 
Ability to organize, operate and assume the risk of running a business with a focus on marketing and customer service. 
Driven by achievement and financial rewards. 
Financially stable. 
Ethical and easily able to build trust. 
Proven success driving business results (not limited to insurance or financial services). 

 

State Farm Insurance is an equal opportunity employer.

www.careerbuilder.com