Insurance 4 Insurance

As an insurance agent, you will be responsible for helping individuals, families and businesses select insurance policies to protect their health, lives and property. Typically, agents sell one or more types of insurance, such as property and causality, life, health, disability and long-term care insurance.

A smart, conscientious insurance agent can be a valuable addition to many people’s financial team of advisers.

When selecting an insurance agent, select one that can answer all of your questions, even the ones you may consider silly. Agents and brokers must be licensed by your states Department of Insurance. Be sure you are doing business with a licensed agent or broker by requesting proper identification.

Most insurance agents are based in small offices, from which they contact clients and provide information on the policies they sell. However, much of their time may be spent outside their offices, traveling locally to meet with clients, close sales, or investigate claims. Agents usually determine their own hours of work and often schedule evening and weekend appointments for the convenience of clients. Commercial sales agents, in particular, may meet with clients during business hours and then spend evenings doing paperwork and preparing presentations to prospective clients.

An Agent helps you:

• To select a policy which is best suited to you.
• In filling up the Proposal Form.
• In submitting the Proposal form to the Insurance Company and delivering the Policy document issued by the Insurance Company.
• To remind you from time to time about when you are supposed to pay the premiums, or renewals.
• In completing the formalities for the Claims.

For insurance agent jobs, most companies and independent agencies prefer to Hire College graduates—especially those who have majored in business or economics. High school graduates are occasionally hired if they have proven sales ability or have been successful in other types of work. In fact, many entrants to insurance sales agent jobs transfer from other occupations. In selling commercial insurance, technical experience in a particular field can help sell policies to those in the same profession.

As a result, new agents tend to be older than entrants in many other occupations.

As an insurance agent, you will be responsible for helping individuals, families and businesses select insurance policies to protect their health, lives and property. Typically, agents sell one or more types of insurance, such as property and causality, life, health, disability and long-term care insurance.

A smart, conscientious insurance agent can be a valuable addition to many people’s financial team of advisers.

When selecting an insurance agent, select one that can answer all of your questions, even the ones you may consider silly. Agents and brokers must be licensed by your states Department of Insurance. Be sure you are doing business with a licensed agent or broker by requesting proper identification.

Most insurance agents are based in small offices, from which they contact clients and provide information on the policies they sell. However, much of their time may be spent outside their offices, traveling locally to meet with clients, close sales, or investigate claims. Agents usually determine their own hours of work and often schedule evening and weekend appointments for the convenience of clients. Commercial sales agents, in particular, may meet with clients during business hours and then spend evenings doing paperwork and preparing presentations to prospective clients.

An Agent helps you:

• To select a policy which is best suited to you.
• In filling up the Proposal Form.
• In submitting the Proposal form to the Insurance Company and delivering the Policy document issued by the Insurance Company.
• To remind you from time to time about when you are supposed to pay the premiums, or renewals.
• In completing the formalities for the Claims.

For insurance agent jobs, most companies and independent agencies prefer to Hire College graduates—especially those who have majored in business or economics. High school graduates are occasionally hired if they have proven sales ability or have been successful in other types of work. In fact, many entrants to insurance sales agent jobs transfer from other occupations. In selling commercial insurance, technical experience in a particular field can help sell policies to those in the same profession.

As a result, new agents tend to be older than entrants in many other occupations.