Like an auto insurance or health insurance salesperson, a life insurance agent will contact clients and walk them through the process of applying for and purchasing life insurance coverage. While some companies offer life insurance through a benefits package, it is also available for individual needs. An insurance agent can help clients with the confusing process of filling out insurance forms. They offer advice and explaining difficult financial and insurance terms in ways the client can understand. A life insurance agent has to be a great communicator and can translate a complicated process with ease.
It takes hands-on training and a state license to become a life insurance agent. A bachelor’s degree is recommended, but not required to start. An insurance company will usually train a new hire, but continued education and courses are needed to meet state requirements for an insurance license and can be found in colleges and online. Check your local state requirements for specific details. Life insurance and health insurance may require separate licenses. Once hired, you will shadow an experienced agent to gain insight into the documentation processes and filing.
To be a good life insurance agent, you must have excellent people skills. Talking with clients on the subject of life insurance can be tricky. It is a sensitive topic that may seem like a luxury when compared to other insurance plans. However, life insurance can provide for family members in the future and offer a sense of comfort in the present. A good life insurance agent understands this essential need and can guide clients through any doubts and find the right policies that work for the clients’ lifestyle and finances.
There are many success stories for life insurance agents, and it is a good job for those looking to help others. For those who buy the policy, life insurance offers a peace and security that their loved ones will be taken care of in case of an emergency. Life insurance agents have job security as well, as long as they can find and retain clients. If working for an insurance sales agency, life insurance agents can make commissions in addition to their salaries.
With this Life Insurance Agent job description sample, you can get a good idea of what employers are looking for when hiring for this position. Remember though, every employer is different and each will have unique qualifications when they hire for their Life Insurance Agent position.
Our insurance agency is looking for a Life Insurance Agent to join our team. Your job duties involve helping potential customers find the right insurance products to fit their needs. You walk customers through the entire sign-up process, so you need familiarity with every aspect of purchasing life insurance. Making cold calls and pursuing leads, both on the phone or in person, are crucial to building our client base, so you need to have excellent communication and customer service skills. We are willing to train inexperienced candidates, but you must commit to becoming a licensed insurance agent before beginning work. Sales experience is a plus.
Duties and Responsibilities
- Use cold calling and direct mail techniques to make sales
- Help customers through the purchasing process
- Answer any questions new or existing clients may have
- Document all of your sales
- Maintain your license through continuing education
Requirements and Qualifications
- A high school diploma or GED certificate
- An insurance sales license or willingness to earn one
- Communication and sales skills
- Experience in health insurance or life insurance sales (preferred)