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.
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.
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.
Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
Customize insurance programs to suit individual customers, often covering a variety of risks.
Explain features, advantages and disadvantages of various policies to promote sale of insurance plans.
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.
Perform administrative tasks, such as maintaining records and handling policy renewals.
Select company that offers type of coverage requested by client to underwrite policy.
Develop marketing strategies to compete with other individuals or companies who sell insurance.
Contact underwriter and submit forms to obtain binder coverage.
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.
Attend meetings, seminars and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
Plan and oversee incorporation of insurance program into bookkeeping system of company.
Install bookkeeping systems and resolve system problems.
Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
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.
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.
Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
Economics and Accounting
Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
Computers and Electronics
Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Understanding written sentences and paragraphs in work related documents.
Talking to others to convey information effectively.
Communicating effectively in writing as appropriate for the needs of the audience.
Persuading others to change their minds or behavior.
Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
The ability to listen to and understand information and ideas presented through spoken words and sentences.
The ability to read and understand information and ideas presented in writing.
The ability to communicate information and ideas in speaking so others will understand.
The ability to communicate information and ideas in writing so others will understand.
The ability to identify and understand the speech of another person.
The ability to speak clearly so others can understand you.
Establishing and Maintaining Interpersonal Relationships
Developing constructive and cooperative working relationships with others, and maintaining them over time.
Communicating with Persons Outside Organization
Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.
Performing for or Working Directly with the Public
Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests.
Selling or Influencing Others
Convincing others to buy merchandise/goods or to otherwise change their minds or actions.
Making Decisions and Solving Problems
Analyzing information and evaluating results to choose the best solution and solve problems.
Updating and Using Relevant Knowledge
Keeping up-to-date technically and applying new knowledge to your job.
Resolving Conflicts and Negotiating with Others
Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.
Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
How often do you have telephone conversations in this job?
How often do you use electronic mail in this job?
Contact With Others
How much does this job require the worker to be in contact with others (face-to-face, by telephone, or otherwise) in order to perform it?
Importance of Being Exact or Accurate
How important is being very exact or highly accurate in performing this job?
Indoors, Environmentally Controlled
How often does this job require working indoors in environmentally controlled conditions?
Letters and Memos
How often does the job require written letters and memos?
How often do you have to have face-to-face discussions with individuals or teams in this job?
Deal With External Customers
How important is it to work with external customers or the public in this job?
Freedom to Make Decisions
How much decision making freedom, without supervision, does the job offer?
Frequency of Decision Making
How frequently is the worker required to make decisions that affect other people, the financial resources, and/or the image and reputation of the organization?
Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.
Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.
Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others.
Realistic occupations frequently involve work activities that include practical, hands-on problems and solutions. They often deal with plants, animals, and real-world materials like wood, tools, and machinery. Many of the occupations require working outside, and do not involve a lot of paperwork or working closely with others.
Investigative occupations frequently involve working with ideas, and require an extensive amount of thinking. These occupations can involve searching for facts and figuring out problems mentally.
Artistic occupations frequently involve working with forms, designs and patterns. They often require self-expression and the work can be done without following a clear set of rules.
Job requires being honest and ethical.
Attention to Detail
Job requires being careful about detail and thorough in completing work tasks.
Job requires being reliable, responsible, and dependable, and fulfilling obligations.
Job requires a willingness to take on responsibilities and challenges.
Job requires accepting criticism and dealing calmly and effectively with high stress situations.
Job requires persistence in the face of obstacles.
Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.
Concern for Others
Job requires being sensitive to others' needs and feelings and being understanding and helpful on the job.
Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks.
Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.
Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service.
Occupations that satisfy this work value allow employees to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy.
Occupations that satisfy this work value are results oriented and allow employees to use their strongest abilities, giving them a feeling of accomplishment. Corresponding needs are Ability Utilization and Achievement.
Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical.
Occupations that satisfy this work value offer job security and good working conditions. Corresponding needs are Activity, Compensation, Independence, Security, Variety and Working Conditions.
Occupations that satisfy this work value offer advancement, potential for leadership, and are often considered prestigious. Corresponding needs are Advancement, Authority, Recognition and Social Status.