Insurance Sales Agent  What They Do

Just the Facts

Insurance Sales Agents Career Video

Sells life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.

This career is part of the Finance cluster Insurance pathway.

A person in this career:

  • Customizes insurance programs to suit individual customers, often covering a variety of risks.
  • Sells 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.
  • Explains features, advantages, and disadvantages of various policies to promote sale of insurance plans.
  • Performs administrative tasks, such as maintaining records and handling policy renewals.
  • Seeks out new clients and develops clientele by networking to find new customers and generate lists of prospective clients.
  • Calls on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
  • Confers with clients to obtain and provide information when claims are made on a policy.
  • Interviews 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.
  • Contacts underwriter and submit forms to obtain binder coverage.
  • Selects company that offers type of coverage requested by client to underwrite policy.

Insider Info

Dig into the details and check out what people in this job have to say about their work.

Working Conditions and Physical Demands

People who do this job report that:

  • You would often handle loads up to 10 lbs., sometimes up to 20 lbs. You might do a lot of walking or standing, or you might sit but use your arms and legs to control machines, equipment or tools.
  • Work in this occupation requires being inside most of the time
  • Work in this occupation involves sitting more than one-third of the time

Working in this career involves (physical activities):

  • Seeing clearly up close
  • Speaking clearly enough to be able to be understood by others
  • Identifying and understanding the speech of another person

Work Hours and Travel

  • Weekend work

Specialty and Similar Careers

Careers that are more detailed or close to this career:

  • Account Executive -- Employed by an organization such as a bank, public relations firm, or advertising agency who is responsible for the business of a specific client.
  • Account Manager -- Serves as the primary business contact for the client and is responsible for client satisfaction, representing their needs and goals within the organization to ensure quality.
  • Agent --
  • Insurance Agent --
  • Insurance Broker --
  • Producer -- Plans and coordinates various aspects of radio, television, stage or motion picture production, such as selecting scripts, coordinating writing, directing and editing, and arranging financing.
  • Sales Agent --
  • Sales Representative --
  • Underwriting Sales Representative --