Client Acquisition & Relationship Building:
Source leads (cold calls, networking, referrals), meet prospects, build trust, and maintain strong client relationships.
Needs Assessment:
Conduct fact-finding to understand clients' financial situations, risks, and long-term goals.
Policy Sales & Advice:
Explain different policies (life, health, auto, etc.), propose customized plans, calculate rates, and guide clients to the best coverage.
Policy Management:
Prepare quotes, complete applications, handle policy renewals, process changes (like beneficiaries), and assist with claims.
Administrative Duties:
Maintain client records, generate sales reports, and ensure compliance with company guidelines.
Professional Development:
Stay informed on industry news, new products, and regulations.
Essential Skills:
Strong verbal & written communication.
Persuasion & negotiation.
Active listening & analysis.
Customer service & relationship building.
Organization & time management.
Computer proficiency (software, databases).
What They Sell:
Property & Casualty: Auto, home, theft, workers' compensation.
Life Insurance: Policies paying beneficiaries upon death, plus annuities.
Health Insurance: Medical, dental, disability, long-term care.