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.
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