Insurance Agent Job descriptions

Insurance Agent Job descriptions

The insurance agent job description lists the duties of a person who works in an insurance business by selling insurance products. Job descriptions for insurance agents vary depending on the type of insurance they sell, but all agents perform similar duties. Insurance agents typically work for an insurance company or broker, selling insurance policies to individuals and businesses. Some agents specialize in selling one type of insurance, such as life insurance, while others sell multiple types of insurance.


They must obtain new clients through various means, such as networking, referrals, and cold-calling. They must be able to calculate premiums and policy fees.


Insurance agents are in charge of managing a client portfolio and locating sales opportunities for insurance policies. By reaching out to potential clients and selling one or more policies, insurance agents assist insurance firms in gaining new business. They educate clients about the various plans, helping them choose the one that best meets their needs.


Insurance agents can work in a wide range of businesses, and their duties change depending on the environment in which they are employed. Some insurance agents sell plans that cover a range of medical expenses in the healthcare sector.


Insurance Agent Job description: Overall Purpose of the job

To sell insurance products to potential clients. The role may cover advisory services to current and potential clients wherein they advise clients of the insurance products that would meet their needs. They ensure clients pay for the insurance products they will have chosen. They are often tasked with retaining clients by offering them more value-added service and excellent customer experience.

Insurance Agent Job description: Primary duties


It is necessary for insurance agents to have highly developed interpersonal skills to increase the number of products they can sell to  potential clients. Insurance agents are responsible for the following:

  • Sells insurance products by reaching out to potential clients.
  • Increase the pool of potential clients to sell to by attending networking events.
  • Reaches out to potential clients by using various forms of advertising including cold calling.
  • Recommends supplementary products to clients by understanding their needs.
  • Promotes new and supplementary insurance products by educating clients about the benefits of such products.
  • Ensures client claims are processed timeously by liaising with those in the claims department.
  • Keeps current client records by periodically reaching out to clients to provide updates whenever circumstances are changed as covered by the client's insurance policy.
  • Creates payment mechanisms and dividend calculations by having a logbook.
  • Creates a cooperative relationship with potential customers by meeting them through various channels, including networking, cold calling, and recommendations.
  • Distributes insurance payments by ensuring that all the relevant documents have been submitted and processed.
  • Provides risk management advice tailored to the unique risk profiles of each clients by having detailed  knowledge of each client needs.
  • Prepare and present management with detailed reports by analysing each client portfolio and its performance. 
  • Completes administrative duties by managing policy renewals.
  • Keeps track of insurance claims by having clear lines of communication with clients.
  • Lists the benefits and drawbacks of various policies by encouraging the purchase of insurance policies.
  • Creates awareness of insurance products by implementing marketing strategies.
  • Answers inquiries and concerns from clients regarding insurance by recording and taking notes.
  • Creates marketing plans to advertise all types of new insurance policies by promoting additions to or changes to current ones.
  • Cultivates beneficial relationships by assembling a pool of potential customers. .
  • Determines the needs and financial situation of business or individual clients by recommending protection programs that satisfy those needs
  • Keeps an eye on insurance claims by ensuring everyone is satisfied.
  • Mantains positive relationships with clients by periodically visiting them.
  • Establishes payment procedures and premium calculations by updating existing ones.
  • Ensures that consumers are satisfied with insurance coverage by meeting their expectations.
  • Keeps up to date with insurance trends by following emerging trends.
  • Adapts insurance policies to each client's specific requirements by taking note of their needs.
  • Makes sure that the conditions of the policy are met by ensuring clients complete the necessary forms.


Insurance Agent Job description: EDUCATIONAL QUALIFICATIONS

  • A bachelor's degree in business, economics, or a related discipline


Insurance Agent Job description: Required Experience 

  • Thorough understanding of the various insurance plans.
  • A minimum of three years experience in insurance sales or a comparable position.
  • Experience selling insurance products is a prerequisite.
  • Experience calculating premiums and deductibles.


Insurance Agent Job description: Other Abilities   

  • Good sales abilities.
  • Communication abilities—both verbal and written.
  • The insurance agent will be more effective when educating the consumer if they can quickly add, subtract, divide, and multiply percentages.
  • In order to be a successful insurance agent, you need to have a lot of patience.
  • Exceptional interpersonal and negotiating abilities.
  • Extensive knowledge of the many different insurance policies and products
  • Ability to choose the finest insurance plan for each client.
  • The capacity to locate and speak with potential customers.
  • Capable of using Microsoft Office or comparable programs.



The Insurance agent job description can vary from company to company. They must assess their clients' demands and recommend products that will satisfy them while considering their financial situation.

Trish Makiwa
This article was written by Trish a Consultant at Industrial Psychology Consultants (Pvt) Ltd

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