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Insurance Sales Agents

Sell 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.

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    Work Activities

    Work Activities

    • Develop marketing strategies to compete with other individuals or companies who sell insurance.
    • Plan and oversee incorporation of insurance program into bookkeeping system of company.
    • Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
    • Confer with clients to obtain and provide information when claims are made on a policy.
    • Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
    • Confer with clients to obtain and provide information when claims are made on a policy.
    • Calculate premiums and establish payment method.
    • Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
    • Install bookkeeping systems and resolve system problems.
    • 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.
    • Calculate premiums and establish payment method.
    • Customize insurance programs to suit individual customers, often covering a variety of risks.
    • Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
    • Contact underwriter and submit forms to obtain binder coverage.
    • Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
    • Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
    • Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
    • Install bookkeeping systems and resolve system problems.
    • Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
    • 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.
    • Perform administrative tasks, such as maintaining records and handling policy renewals.
    • Select company that offers type of coverage requested by client to underwrite policy.
    • Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
    • 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.

    Skills

    • Monitoring

      Keeping track of how well people and/or groups are doing in order to make improvements.

    • Critical Thinking

      Thinking about the pros and cons of different ways to solve a problem.

    • Coordination

      Changing what is done based on other people's actions.

    • Negotiation

      Bringing people together to solve differences.

    • Repairing

      Repairing machines or systems using the right tools.

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Active Listening

      Listening to others, not interrupting, and asking good questions.

    • Writing

      Writing things for co-workers or customers.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Operation and Control

      Using equipment or systems.

    • Systems Analysis

      Figuring out how a system should work and how changes in the future will affect it.

    • Technology Design

      Making equipment and technology useful for customers.

    • Programming

      Writing computer programs.

    • Reading Comprehension

      Reading work-related information.

    • Mathematics

      Using math to solve problems.

    • Science

      Using scientific rules and strategies to solve problems.

    • Judgment and Decision Making

      Thinking about the pros and cons of different options and picking the best one.

    • Time Management

      Managing your time and the time of other people.

    • Learning Strategies

      Using the best training or teaching strategies for learning new things.

    • Systems Evaluation

      Measuring how well a system is working and how to improve it.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Management of Material Resources

      Managing equipment and materials.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Operations Analysis

      Figuring out what a product or service needs to be able to do.

    • Service Orientation

      Looking for ways to help people.

    • Quality Control Analysis

      Testing how well a product or service works.

    • Active Learning

      Figuring out how to use new ideas or things.

    • Instructing

      Teaching people how to do something.

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Speaking

      Talking to others.

    • Social Perceptiveness

      Understanding people's reactions.

    • Complex Problem Solving

      Noticing a problem and figuring out the best way to solve it.

    • Equipment Selection

      Deciding what kind of tools and equipment are needed to do a job.

    • Operations Monitoring

      Watching gauges, dials, or display screens to make sure a machine is working.

    • Troubleshooting

      Figuring out what is causing equipment, machines, wiring, or computer programs to not work.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    6
    Graphic Literacy
    5

    Abilities

    • Speech Clarity

      Speaking clearly.

    • Information Ordering

      Ordering or arranging things.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Dynamic Flexibility

      Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.

    • Gross Body Coordination

      Moving your arms, legs, and mid-section together while your whole body is moving.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Glare Sensitivity

      Seeing something even if there is a glare or very bright light.

    • Wrist-Finger Speed

      Making fast, simple, repeated movements of your fingers, hands, and wrists.

    • Trunk Strength

      Using your lower back and stomach.

    • Oral Comprehension

      Listening and understanding what people say.

    • Deductive Reasoning

      Using rules to solve problems.

    • Inductive Reasoning

      Making general rules or coming up with answers from lots of detailed information.

    • Rate Control

      Changing when and how fast you move based on how something else is moving.

    • Extent Flexibility

      Bending, stretching, twisting, or reaching with your body, arms, and/or legs.

    • Near Vision

      Seeing details up close.

    • Far Vision

      Seeing details that are far away.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Reaction Time

      Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Speech Recognition

      Recognizing spoken words.

    • Originality

      Creating new and original ideas.

    • Written Comprehension

      Reading and understanding what is written.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Flexibility of Closure

      Seeing hidden patterns.

    • Perceptual Speed

      Quickly comparing groups of letters, numbers, pictures, or other things.

    • Spatial Orientation

      Knowing where things are around you.

    • Visualization

      Imagining how something will look after it is moved around or changed.

    • Time Sharing

      Doing two or more things at the same time.

    • Manual Dexterity

      Holding or moving items with your hands.

    • Control Precision

      Quickly changing the controls of a machine, car, truck or boat.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Auditory Attention

      Paying attention to one sound while there are other distracting sounds.

    • Oral Expression

      Communicating by speaking.

    • Written Expression

      Communicating by writing.

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Depth Perception

      Deciding which thing is closer or farther away from you, or deciding how far away it is from you.

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Problem Sensitivity

      Noticing when problems happen.

    • Category Flexibility

      Grouping things in different ways.

    • Selective Attention

      Paying attention to something without being distracted.

    • Multilimb Coordination

      Using your arms and/or legs together while sitting, standing, or lying down.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Response Orientation

      Quickly deciding if you should move your hand, foot, or other body part.

    • Night Vision

      Seeing at night or under low light.

    Knowledge

    • Design

      Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.

    • History and Archeology

      Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

    • Fine Arts

      Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

    • Sociology and Anthropology

      Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.

    • Telecommunications

      Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

    • Law and Government

      Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

    • Administrative

      Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.

    • Food Production

      Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

    • English Language

      Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

    • Mathematics

      Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

    • Customer and Personal Service

      Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

    • Philosophy and Theology

      Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.

    • Psychology

      Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

    • Education and Training

      Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

    • Geography

      Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

    • Administration and Management

      Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

    • Production and Processing

      Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

    • Economics and Accounting

      Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.

    • Physics

      Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.

    • Chemistry

      Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.

    • Personnel and Human Resources

      Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

    • Transportation

      Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

    • Therapy and Counseling

      Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.

    • Foreign Language

      Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.

    • Public Safety and Security

      Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.

    • Engineering and Technology

      Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.

    • Mechanical

      Knowledge of machines and tools, including their designs, uses, repair, and maintenance.

    • Building and Construction

      Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.

    • Computers and Electronics

      Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

    • Biology

      Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

    • Medicine and Dentistry

      Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.

    • Communications and Media

      Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

    • Sales and Marketing

      Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 59140/yr
    • Typical Salary
    • Ohio Hourly Wage 28.43/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 19,980
    • Yearly Projected Openings 1850

    Typical Education

    Personality

    Enterprising: People interested in this work like activities that include leading, making decisions, and business.They do well at jobs that need:
    • Integrity
    • Independence
    • Attention to Detail
    • Achievement/Effort
    • Dependability
    • Initiative

    Tools

    • Desktop computers
    • Digital cameras
    • Franking or postage machines
    • Laser fax machine
    • Laser printers
    • Notebook computers
    • Personal computers
    • Wearable computing devices

    Technology

    • Calendar and scheduling software
    • Customer relationship management CRM software
    • Data base user interface and query software
    • Document management software
    • Electronic mail software
    • Enterprise resource planning ERP software
    • Financial analysis software
    • Instant messaging software
    • Internet browser software
    • Medical software
    • Office suite software
    • Operating system software
    • Presentation software
    • Spreadsheet software
    • Video conferencing software
    • Video creation and editing software
    • Web page creation and editing software
    • Word processing software

    Tags

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