Job Title: Insurance Agent
Reports To: Managing Director, Profit Center Leader, or President
FLSA Status: Exempt
Summary The Insurance Agent aggressively solicits and sells insurance products and services to existing and new business; maintains an existing book of business; expands book of business; enhances the public image of the Agency by proactively performing the following duties.
Effectively use sales techniques to identify prospective clients to provide leads for additional business. Generates a steady flow of qualified prospects from own leads and company supplied leads and solicits referrals from existing customer base.
Contacts and qualifies prospective clients and explains features and merits of policies offered, recommending amount and type of coverage based on analysis of prospect's circumstances.
Calls on policyholders to deliver and explain policy, to suggest additions or changes in insurance program. Designs insurance and risk management plans for clients.
Reviews outstanding account receivables, collects payments in a timely manner and keeps record of payments.
Helps policyholders settle insurance claims in the event of a loss.
Anticipates future needs and calls on established clients to renew and upgrade accounts.
Develops long-term relationships with clients, carriers, and underwriters.
Develops a thorough and accurate understanding of the clients' and carriers' business needs.
This job has no supervisory responsibilities, however may direct activities of department team to accomplish essential duties and responsibilities.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
Bachelor's degree (B. A.) from four-year college or university; and one to two years related experience and/or training; or equivalent combination of education and experience.
Full knowledge of insurance markets.
Certificates, Licenses, Registrations
Must hold appropriate and valid insurance licenses.
Other Skills and Abilities
Must be a self-starter, imaginative, and creative with good communications skills and strong sales skills.
Must be competitive, persistent, and self-reliant, with high energy and sales drive.
Must be able to cold-call on prospects, influence others and close the sale.
Must have a thorough understanding of insurance underwriting and coverages, including rating procedures.
Must be willing to travel.
Must possess valid driver’s license.
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this Job, the employee is regularly required to talk or hear. The employee is frequently required to stand and walk. The employee is occasionally required to sit; use hands to finger, handle, or feel and reach with hands and arms. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, depth perception and ability to adjust focus.