Insurance Agent Job Description: Top Duties and Requirements

An Insurance Agent, or Insurance Broker, sells home, life, business, health, automobile, group, and other types of insurance to individuals or companies. The primary duties of an Insurance Agent are to sell insurance policies, monitor claims, and ensure all necessary documentation has been filled out and filed prior to providing the insurance policy.


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Insurance Agent duties and responsibilities

An Insurance Agent has many duties in responsibilities, both towards the institution they work for and to their clients. Whether an Insurance Agent is a self-employed broker, or works for a private insurance company, some common duties and responsibilities include:

  • Introduce their clients to all available insurance policy options and clearly explain them
  • Promote and sell a variety of insurance products
  • Ensure that all medical and other necessary forms are filled out and filed
  • Arrange a payment method with the insured in writing
  • Follow up on claims filed by clients
  • Calculate premiums based on medical information and other discussed factors
  • Interview prospective clients
  • Process all insurance policy requests


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Insurance Agent Job Description Examples:


Example 1

*Life Insurance Advisor* *NO Experience Required* So long as you have a *current LLQP license* we will fully train you on all our products and sales practices. We have a tried and tested model of selling that can be mastered in a matter of weeks so the key attribute we’re looking for is your personality and drive to succeed. Neilson Financial Services is a multi-national Life Insurance intermediary, specializing in product development and customer experience, making the purchase of Life Insurance as simple as our customers demand it to be. Our Contact Centers support up to 4,000 Life Insurance Sales a month with Advisors enjoying the support, development and fun that comes with selling 70 - 100 sales a month each. Our Neilson Values of Results Driven, Customer Focused and Team Spirited are embedded in the foundations of our culture and are part of the common integrity found in every Neilson’er. *What to expect: * * Telephone based role with an average of 3 – 5 sales per day * Great Transit Links with office space just a few minutes’ walk from Union Station * Paid for registrations in all required jurisdictions across Canada * TV and Digital Marketing bringing qualified leads to our Advisors all day, every day, no client acquisition required * No after-sale administration, dedicated business functions to take care of this for you. 100% of your time can be spent executing sales * Industry leading Sales CRM with automated pipeline and dialing capabilities removes the need for outdated diary management of your sales prospects * A pulsing sales environment where achievement is recognized business wide and in real-time * Exciting Reward and Recognition opportunities with monthly incentives for sales performance * Quarterly Awards Events celebrating our collective and individual achievements across all business units *Who we need: * * Results driven individuals with integrity and genuine customer empathy at the heart of their work ethic * Outstanding communicators that can make someone’s day within minutes of engaging in conversation * An ambitious growth mindset that is always looking for new ways to improve and develop * Open minded thinkers that can embrace a new way of working as we challenge the norm of complex product offerings in the market *Role * * Acquire Sales through excellence of sales skill and product knowledge while delivering a customer experience that exceeds their expectations *Role requirements: * * Current and active Life License essential (LLQP), and able to register in any Canadian jurisdiction Salary package: · $50,000 basic + Commission and Incentives Job Types: Full-time, Permanent Salary: From $50,000.00 per year Additional pay: * Commission pay * LLQP (required)

Example 2

Are you outgoing and customer-focused? Are you excited to help customers reach their insurance needs? If you answered yes to these questions, working for an Insurance agent may be the career for you! We’re looking for a motivated, sales-oriented individual who has a passion for the insurance industry. Our goal is to build up strong relationships and increase our professional reputation. Looking for a full-time job that provides meaningful work and competitive compensation? Consider a position in our office. Establishes personalized telephone contact with the client. Creates a climate of trust conducive to the sale of a home or auto insurance policy. Educates and advises our clients on our products, while adhering to the company's underwriting policies. Seizes all sales opportunities, solicitation and product offers. Work with the agent to establish and meet marketing goals. Use a needs-based review process to educate customers about insurance options. Job Requirements: Sales experience (preferred). Successful track record of meeting sales goals. Self-motivated. Ability to relate to customers. Strong communication and interpersonal skills. Strong work ethic with a total commitment to success each and every day. Organized, with the ability to problem solve. Ability to work as a team. Attention to detail. Strong understanding of social media/ technology. Ability to motivate and leadership skills. Qualifications: Property and Casualty license (must be able to obtain). Life and Health license (must be able to obtain). Strong understanding of social media/ technology. Product/ sales experience (required). College diploma in a related field. 2 years of relevant experience. Previous insurance experience in various property and casualty disciplines, such as underwriting, claims, sales or service would be an asset. These positions are with an independent contractor agent that is part of the Desjardins exclusive agent network, not with Desjardins Group or its subsidiaries. This agents’ employees are not employees of Desjardins. Independent contractor agents are responsible for and make all employment decisions regarding their employees.

Example 3

*Company Overview: * For the past 18 years, directly and through our affiliates, olive have been providing customers with the peace of mind that comes with having protection. Our products, customer service, and reputation for excellence have earned our company an A+ rating with the Better Business Bureau. Not only do we have the right tools to help car owners feel safe and secure in their vehicle’s mechanical breakdown insurance coverage, but we also provide top-notch customer service. We’re in the business of providing protecting to our policy holders — whenever and wherever they need us. *Job Description: * Be part of this dynamic, fast-growing team that’s an industry leader in the market. Use your impeccable relationship building skills to create winning opportunities for your customers. This position is ideal for personable and attentive individuals with a desire and ability to offer excellent customer service by communicating product benefits that best match customer needs. *Duties and Responsibilities: * * Assist customers in selecting the best coverage for their vehicles * Maintain a positive attitude and customer-first approach * Be knowledgeable of products and services offered, as well as the industry as a whole * Responding to customer questions through value building in our product and brand * Handle inbound and outbound calls from and to interested consumers * Participate in regular training and coaching sessions * Use your strong sales skills with a focus on consultative selling approach * Demonstrate active listening skills to present additional opportunities * Ability to build rapport, create value-based presentations, and respond to concerns questions * Build and manage a sustainable pipeline * Maintain customer satisfaction scores through rapport building and relationships * Address customer inquiries using established techniques * Perform other duties as assigned * Available to work Evenings and Weekends *Required Experience: * * 2+ years of sales experience required * 2+ years of call centre experience preferred (remote agent experience a plus) * Must have an active Level 1 General Insurance distribution license in good standing in at least Alberta (agent or broker), British Columbia (agent, broker, or salesperson), or Ontario (broker only) * Excellent communication skills * Motivated, energetic, and driven person * Familiarity with CRM interfaces such as Salesforce is a plus * Computer skills, internet navigation and strong knowledge of MS Office Suite are required * Bilingual (French Canadian) a plus Expected start date: [phone number]12-13 Job Types: Full-time, Permanent Pay: From $45,000.00 per year Additional pay: * Commission pay Benefits: * Casual dress * Dental care * Extended health care * Life insurance * Paid time off * Vision care * Work from home Schedule: * 8 hour shift * Monday to Friday COVID-19 considerations: The role is 100% remote Education: * Secondary School (preferred) Experience: * insurance sales: 1 year (required) * general insurance license in BC, Alberta or Ontario (preferred) Work remotely: * Yes

What does an Insurance Agent do?

As an Insurance Agent sells insurance policies, they are responsible for fully explaining insurance premiums, coverage, and claims information to their clients. They are also responsible in assessing market risk as they help their clients determine which insurance policies are necessary. 

An Insurance Agent should be knowledgeable about different types of insurance plans. They should be able to clearly explain everything about insurance policies to their clients to ensure customer satisfaction. Usually, Insurance Agents have a sales quota, and they have to fulfill this target number on a set deadline with their managers or supervisors. 


Insurance Agent skills and qualifications

A successful Insurance Agent candidate will have strong communication and interpersonal skills that will help them connect with clients and gain more sales. Some of the top skills and qualifications to seek in a prospective candidate include:

  • Strong business and sales skills
  • Analytical skills
  • A positive, ambitious attitude
  • The ability to use computer software programs designed for insurance companies
  • Excellent knowledge of all insurance policies
  • Excellent customer service skills
  • Strong negotiation skills


Insurance Agent experience requirements

Depending on the volume of sales required, work experience is not always necessary. A junior Insurance Agent can be expected to bring in fewer sales. If you are looking to fill the position of a Senior Insurance Agent with a large volume of sales, seeking a candidate with experience in the field, with a proven track record of sales to numerous clients, is advisable. If the job is within a specific industry and is not of a general nature, industry-related experience may be required.


Insurance Agent education and training requirements

An Insurance Agent will usually have a secondary school diploma. Though much of the training is learned on the job, it is essential that an Insurance Agent receives certification from the governing body in their province. Or, they can hold a federal certification, like the Canadian Accredited Insurance Broker (CAIB) designation. Insurance Agents must complete the required training courses and examinations to receive their certification. 


Insurance Agent salary expectations

According to Indeed Salaries, the average Insurance Agent earns a salary of $48,118 annually. The salary will vary based on factors like location, level of experience, employer, and the type of industry.


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Insurance Agent job description FAQs


What qualities make a good Insurance Agent?

An Insurance Agent’s primary goal is to sell. They must have excellent interpersonal skills that make selling easy. Look for qualities such as being an engaging communicator in a prospective employee.


What are the day-to-day duties of an Insurance Agent?

An Insurance Agent should be actively looking for customers. Every day, they should be selling as much as they can, explaining their products to clients, filing the necessary paperwork, and monitoring client claims. They are also responsible for calculating premiums, negotiating with clients, and introducing clients to new products.


How can you make your Insurance Agent job stand out?

To make your job description stand out among the rest, try to be as specific as possible in describing the key functions of the Insurance Agent you need. If they will be required to have experience in specific industries, or knowledge about particular computer software programs, mention it in the job description. Keep it short and concise, but be clear at the same time. Job postings that provide the most detail tend to get the attention of the best candidates.


Do Insurance Agents have different responsibilities in different industries?

Yes. If an insurance agent works independently, they will be required to follow up on paperwork and payment issues. An Insurance Agent who works for a large insurance agency may work with a team of people who handle the paperwork and small claims. The responsibilities also vary depending on the type of insurance offered. Group insurance policies may require more planning and more in-depth discussions with employers.

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