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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

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

    Skills

    • Monitoring

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

    • Service Orientation

      Looking for ways to help people.

    • Operations Analysis

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

    • Operation and Control

      Using equipment or systems.

    • Quality Control Analysis

      Testing how well a product or service works.

    • Active Listening

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

    • Active Learning

      Figuring out how to use new ideas or things.

    • Speaking

      Talking to others.

    • Critical Thinking

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

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Technology Design

      Making equipment and technology useful for customers.

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Repairing

      Repairing machines or systems using the right tools.

    • Judgment and Decision Making

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

    • Mathematics

      Using math to solve problems.

    • Systems Evaluation

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

    • Instructing

      Teaching people how to do something.

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Systems Analysis

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

    • Time Management

      Managing your time and the time of other people.

    • Learning Strategies

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

    • Writing

      Writing things for co-workers or customers.

    • Reading Comprehension

      Reading work-related information.

    • Social Perceptiveness

      Understanding people's reactions.

    • Negotiation

      Bringing people together to solve differences.

    • 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.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Science

      Using scientific rules and strategies to solve problems.

    • Management of Material Resources

      Managing equipment and materials.

    • Coordination

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

    • Complex Problem Solving

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

    • Programming

      Writing computer programs.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    6
    Graphic Literacy
    5

    Abilities

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Control Precision

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

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Visualization

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

    • Gross Body Coordination

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

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Originality

      Creating new and original ideas.

    • Time Sharing

      Doing two or more things at the same time.

    • Rate Control

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

    • Manual Dexterity

      Holding or moving items with your hands.

    • Wrist-Finger Speed

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

    • Spatial Orientation

      Knowing where things are around you.

    • Reaction Time

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

    • Perceptual Speed

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

    • Multilimb Coordination

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

    • Depth Perception

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

    • Night Vision

      Seeing at night or under low light.

    • Written Expression

      Communicating by writing.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Oral Comprehension

      Listening and understanding what people say.

    • Written Comprehension

      Reading and understanding what is written.

    • Information Ordering

      Ordering or arranging things.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Category Flexibility

      Grouping things in different ways.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Selective Attention

      Paying attention to something without being distracted.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Problem Sensitivity

      Noticing when problems happen.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Near Vision

      Seeing details up close.

    • Auditory Attention

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

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Far Vision

      Seeing details that are far away.

    • Dynamic Flexibility

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

    • Speech Clarity

      Speaking clearly.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Trunk Strength

      Using your lower back and stomach.

    • Extent Flexibility

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

    • Deductive Reasoning

      Using rules to solve problems.

    • Inductive Reasoning

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

    • Oral Expression

      Communicating by speaking.

    • Flexibility of Closure

      Seeing hidden patterns.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Response Orientation

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

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Speech Recognition

      Recognizing spoken words.

    • Glare Sensitivity

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

    Knowledge

    • 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.

    • Computers and Electronics

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

    • Fine Arts

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

    • 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.

    • Economics and Accounting

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

    • Transportation

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

    • Law and Government

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

    • Food Production

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

    • 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.

    • 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.

    • 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.

    • Telecommunications

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

    • 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.

    • Design

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

    • 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.

    • Sociology and Anthropology

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

    • 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.

    • Mechanical

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

    • Production and Processing

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

    • 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.

    • 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.

    • English Language

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

    • 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.

    • 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.

    • 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.

    • 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.

    • 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.

    • Mathematics

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

    • 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.

    • 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.

    • History and Archeology

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

    • Biology

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

    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 20,240
    • Yearly Projected Openings 2060

    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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