An Introduction to Insurance Sales

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by: SalvadorPaez | Total views: 4 | Word Count: 281 | View PDF | Print View
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Insurance sales agents are the people who help their clients choose the insurance policy that will best suit their needs. They help not only individuals, but also businesses and families. There are many kinds of insurance agents, which handle different policies.

There are two kinds of insurance agents. The captive insurance agents work for a single company and sell only that company's services. On the other hand insurance brokers represent many companies and sell insurance plans for all of them.

There are many types of insurance plans that a person can get, including life insurance, health insurance, property insurance, casualty insurance, disability insurance, and long-term care insurance. Depending on a person's needs, he may have all of these insurance plans or just some of them.

There are several insurance agents in the United States. They number about 400,000 nationwide and most of them work for brokerages and agencies rather than insurance carriers.

So if you want to be an insurance agent, you better have a degree in economics or business to help you along the way. Another important requirement is that you should have extensive knowledge of the insurance laws of the particular state you're in.

Insurance agents also need to be licensed before they can work. Each type of insurance policy requires a different license, which means that having a license to sell casualty insurance isn't enough to be able to sell life insurance. To get a license, insurance agents need to take a few courses and pass licensing exams.

Insurance agents who do particularly well tend to become store or branch managers. It also helps when the candidate has a pleasing personality, good communication skills, and charm, because these traits get the job done better.
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