What does an Insurance Sales Representative do?

An insurance sales representative is responsible for selling insurance policies to customers and assisting them with any questions or concerns they may have. They must be able to explain the different types of coverage available and help the customer choose a policy that meets their needs. Insurance sales representatives must be licensed in the state in which they work.

Insurance Sales Representative job duties include:

• Prospect for new clients by cold calling, networking, and other means
• Develop insurance quotes and proposals for new and existing clients
• Negotiate with insurance carriers to get the best coverage and rates for clients
• Enroll new clients in their chosen insurance plans
• Serve as a liaison between clients and insurance carriers
• Handle claims and policy changes for clients
• Keep abreast of changes in the insurance industry to better serve clients
• Cross-sell additional insurance products to existing clients
• Upsell higher levels of coverage to existing clients
• Renew policies for existing clients

Insurance Sales Representative Job Requirements

Most insurance sales representatives have at least a high school diploma. Many companies prefer to hire candidates who have completed some college coursework, although it is not always required. Many states require insurance sales representatives to complete pre-licensing education and pass an insurance exam before they can sell insurance products. Insurance sales representatives must also complete continuing education courses on a regular basis to keep their license active. Some employers may require insurance sales representatives to have a few years of experience selling insurance before they will hire them.

Insurance Sales Representative Skills

• Excellent communication skills
• Good negotiation skills
• Good people skills
• The ability to sell
• The ability to close a deal
• Persistence
• The ability to work independently
• The ability to meet deadlines
• The ability to handle rejection
• A positive attitude
• Motivation

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How to become an Insurance Sales Representative

An insurance sales representative is responsible for selling insurance policies to customers and assisting them with any questions or concerns they may have. In order to become an insurance sales representative, one must first obtain a license from the state in which they plan to sell insurance. Once licensed, most insurance companies will require new representatives to complete training on their products and services. After completing training, insurance sales representatives typically work with customers either in-person or over the phone. They must be able to build relationships with customers and understand their needs in order to provide them with the best possible coverage.

The most important trait of a successful insurance sales representative is the ability to sell. Insurance sales representatives must be able to clearly explain the benefits of a policy and persuade customers to purchase it. They must also be knowledgeable about the different types of coverage available and be able to recommend the best option for each customer. Excellent communication and people skills are essential in this role, as is the ability to handle rejection. Insurance sales representatives must be comfortable working independently and be self-motivated to meet their goals.

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