If you’re writing an insurance agent job description for the first time, don’t forget to include these key elements.
What do you think of when you hear the job title “Insurance Agent?” Do you imagine someone working in the health, automobile, house, or retirement-planning industries? Insurance agents work in a variety of fields. Some companies also hire numerous insurance agents who sell various different products. Regardless of what type of employee who you hire, it’s smart to create a standardized insurance agent job description for all of your staff to follow.
There are many sections that should be included in an employee’s job description. The first section should include an actual, short description of the insurance agent’s job. Here are some points that should be addressed:
Insurance agents are responsible to sell life, health, property – such as automotive, rental or house insurance – casualty, or other types of insurance.
Specify here what type of insurance your agent is responsible to sell.
Insurance agents may refer clients to independent insurance brokers or work as independent broker themselves. Insurance agents may also be employed by an insurance company working alongside other agents and brokers.
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Here is where you will indicate which type of agent your employee is working as.
After briefly addressing the agent’s immediate job duties, the next section should describe the type of tasks this agent will be performing. This section tends to be the longest portion of the insurance agent job description. Here are a few ideas to consider when listing the specific tasks for your employees:
- Calculate premiums and establish a payment method for all new and reoccurring policies.
- Explain features, advantages, and disadvantages of requested policies. In some cases, suggest a different policy to better suit the client’s needs.
- Customize insurance programs to suit individual customers or companies, covering a variety of risks and benefits.
- Speak with policyholders via phone, email, or in person to deliver and explain the purchased policy.
- Suggest additions or changes to policies, or process requested changes beneficiaries.
- Inspect property to examining its general condition, and decide if it is a good insurance risk. For personal insurances, refer clients to outside medical organizations who will complete a private examination.
- When claims are made on a policy, review documents to ensure all required data is completed correctly. Contact client to gather any additional necessary information to process the claim.
- Monitor insurance claims to ensure both the client and the insurance company receive a fair deal.
- Perform administrative tasks, such as answering phone calls, responding to emails, and maintaining company records.
- Seek out new clients via networking and referrals. Follow up with any lead in a timely manner. Perform cold calls if necessary.
There are obviously many other tasks to include in an insurance agent job description, though these suggestions will provide a solid basis to start. Most importantly, don’t forget everyone’s favorite job description statement, “Other duties as assigned.”
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What specific tasks would you include on an insurance agent job description? Let us know in the comments.