Insurance Sales Agents
Key Tasks
- 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.
- Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
- Develop marketing strategies to compete with other individuals or companies who sell insurance.
- Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
- Calculate premiums and establish payment method.
- Plan and oversee incorporation of insurance program into bookkeeping system of company.
- 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.
- Install bookkeeping systems and resolve system problems.
- Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
Skills
Knowledge
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Abilities
Work Activities
Work Context
How frequently does your job require you to use E-mail?
100%
Telephone Conversations
How often do you have telephone conversations in this job?
100%
Deal With External Customers or the Public in General
How important is it to deal with external customers (as in retail sales) or the public in general (as in police work) in this job?
99%
Face-to-Face Discussions with Individuals and Within Teams
How frequently does your job require face-to-face discussions with individuals and within teams?
98%
Frequency of Decision Making
How often is the worker required to make decisions that affect other people, the financial resources, and/or the image and reputation of the organization?
95%
Contact With Others
How much does this job require the worker to be in contact with others (face-to-face, by telephone, or otherwise) in order to perform it?
93%
Importance of Being Exact or Accurate
How important is being very exact or highly accurate in performing this job?
93%
Duration of Typical Work Week
Number of hours typically worked in one week.
91%
Spend Time Sitting
How much does this job require sitting?
90%
Time Pressure
How often does this job require the worker to meet strict deadlines?
88%
Impact of Decisions on Co-workers or Company Results
What results do your decisions usually have on other people or the image or reputation or financial resources of your employer?
86%
Determine Tasks, Priorities and Goals
How much freedom does the worker have in determining the tasks, priorities, or goals of the job?
78%
Indoors, Environmentally Controlled
How often does this job require working indoors in an environmentally controlled environment (like a warehouse with air conditioning)?
77%
Freedom to Make Decisions
How much decision making freedom, without supervision, does the job offer?
72%
Written Letters and Memos
How frequently does your job require written letters and memos?
72%
Level of Competition
To what extent does this job require the worker to compete or to be aware of competitive pressures?
71%
Importance of Repeating Same Tasks
How important are continuous, repetitive, physical activities (like key entry) or mental activities (like checking entries in a ledger) to performing this job?
70%
Work With or Contribute to a Work Group or Team
How important is it to work with or contribute to a work group or team in this job?
67%
In an Enclosed Vehicle or Operate Enclosed Equipment
How often does this job require working in a closed vehicle or operate enclosed equipment (like a car)?
63%
Conflict Situations
How frequently are there conflict situations the employee has to face in this job?
61%
Physical Proximity
To what extent does this job require the worker to perform job tasks physically close to other people?
61%
Coordinate or Lead Others in Accomplishing Work Activities
How important is it to coordinate or lead others (not as a supervisor or team leader) in accomplishing work activities in this job?
57%
Dealing With Unpleasant, Angry, or Discourteous People
How frequently does the worker have to deal with unpleasant, angry, or discourteous individuals as part of the job requirements?
54%
Consequence of Error
How serious would the result usually be if the worker made a mistake that was not easily correctable?
50%
Degree of Automation
How automated is the job?
44%
Outdoors, Exposed to All Weather Conditions
How often does this job require working outdoors, exposed to all weather conditions?
34%
Public Speaking
How frequently does your job require public speaking (one speaker with an audience)?
31%
Exposed to Sounds, Noise Levels that are Distracting or Uncomfortable
How often does this job require working exposed to sounds and noise levels that are distracting or uncomfortable?
29%
Spend Time Making Repetitive Motions
How much does this job require making repetitive motions?
29%
Work Outcomes and Results of Other Workers
How responsible is the worker for work outcomes and results of other workers?
29%
Indoors, Not Environmentally Controlled
How often does this job require working in an environment that is not environmentally controlled (like a warehouse without air conditioning)?
27%
Spend Time Standing
How much does this job require standing?
23%
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
How much does this job require using your hands to handle, control, or feel objects, tools or controls?
23%
Health and Safety of Other Workers
How much responsibility is there for the health and safety of others in this job?
21%
Exposed to Cramped Work Space, Awkward Positions
How often does this job require working in cramped work spaces that requires getting into awkward positions?
19%
Spend Time Walking or Running
How much does this job require walking or running?
19%
Work Schedules
How regular are the work schedules for this job?
19%
Exposed to Contaminants
How often does this job require working exposed to contaminants (such as pollutants, gases, dust or odors)?
18%
Exposed to Extremely Bright or Inadequate Lighting Conditions
How often does this job require working in extremely bright or inadequate lighting conditions?
17%
Outdoors, Under Cover
How often does this job require working outdoors, under cover (like in an open shed)?
16%
Exposed to Disease or Infections
How often does this job require exposure to disease/infections?
10%
Exposed to Very Hot or Cold Temperatures
How often does this job require working in very hot (above 90 F degrees) or very cold (below 32 F degrees) temperatures?
10%
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
How often does this job require wearing common protective or safety equipment such as safety shoes, glasses, gloves, hearing protection, hard hats or life-jackets?
9%
Spend Time Bending or Twisting Your Body
How much does this job require bending or twisting your body?
6%
Exposed to Minor Burns, Cuts, Bites, or Stings
How often does this job require exposure to minor burns, cuts, bites, or stings?
5%
Spend Time Keeping or Regaining Balance
How much does this job require keeping or regaining your balance?
5%
Spend Time Kneeling, Crouching, Stooping, or Crawling
How much does this job require kneeling, crouching, stooping or crawling?
5%
Dealing with Violent or Physically Aggressive People
How frequently does this job require the worker to deal with physical aggression of violent individuals?
3%
Exposed to High Places
How often does this job require exposure to high places?
3%
Exposed to Radiation
How often does this job require exposure to radiation?
3%
Exposed to Hazardous Conditions
How often does this job require exposure to hazardous conditions?
2%
Exposed to Hazardous Equipment
How often does this job require exposure to hazardous equipment?
0%
Exposed to Whole Body Vibration
How often does this job require exposure to whole body vibration (like operating a jackhammer or earth moving equipment)?
0%
In an Open Vehicle or Operating Equipment
How often does this job require working in an open vehicle or operating equipment (like a tractor)?
0%
Pace Determined by Speed of Equipment
How important is it to this job that the pace is determined by the speed of equipment or machinery? (This does not refer to keeping busy at all times on this job.)
0%
Spend Time Climbing Ladders, Scaffolds, or Poles
How much does this job require climbing ladders, scaffolds, poles, etc.?
0%
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
How often does this job require wearing specialized protective or safety equipment such as breathing apparatus, safety harness, full protection suits, or radiation protection?
0%
Education
Bachelor's degree
Associate's degree
High school diploma or equivalent
Interests
Enterprising
Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertis
Conventional
Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or hum
Social
Work involves helping, teaching, advising, assisting, or providing service to others. Social occupations are often associated with social, health care, personal service, teaching/education, or religious activities.
Investigative
Work involves studying and researching non-living objects, living organisms, disease or other forms of impairment, or human behavior. Investigative occupations are often associated with physical, life, medical, or social sciences, and can be found in the f
Artistic
Work involves creating original visual artwork, performances, written works, food, or music for a variety of media, or applying artistic principles to the design of various objects and materials. Artistic occupations are often associated with visual arts,
Realistic
Work involves designing, building, or repairing of equipment, materials, or structures, engaging in physical activity, or working outdoors. Realistic occupations are often associated with engineering, mechanics and electronics, construction, woodworking, t
Work Styles
Work Values
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