WHAT DOES AN INSURANCE AGENT DO?

Published: Sep 23, 2025 - The Insurance Agent produces quotes, recommends products, and processes policies while supporting customer acquisition, retention, and cross-selling objectives. This role conducts client needs analysis, presents suitable coverage options clearly, and ensures understanding through effective communication. The agent also addresses inquiries, resolves service issues, and maintains current knowledge through ongoing education.

A Review of Professional Skills and Functions for Insurance Agent

1. Insurance Agent Duties

  • Prospecting: Prospecting and generating new business through networking, referrals, agency marketing, inbound leads, outbound calls and emails
  • Cross-Selling: Uncover cross-sell opportunities through the existing CRM database
  • Policy Servicing: Servicing existing policyholders and providing a high-value experience
  • Needs Analysis: Determine customer needs and recommend solutions
  • Product Knowledge: Maintain consistent knowledge of P&C products, markets, underwriting guidelines and best practices
  • Networking: Networking and developing relationships with local businesses and homeowners to explain and deliver the benefits of Rural Mutual's product line
  • Client Coordination: Work with clients and underwriters on each purchase of insurance policies
  • Team Support: Provide guidance and assistance to other producers in the office/region
  • Customer Service: Provide exceptional customer service
  • Relationship Building: Outstanding relationship-building skills
  • Product Knowledge: Maintain knowledge of new products
  • Training Development: Gain training and education, knowledge and expertise with team members

2. Insurance Agent Details

  • Customer Service: Providing exceptional day-to-day customer service to clients
  • Professional Relationships: Maintain professional relationships with Insurers and Underwriters
  • Producer Support: Assist and provide support to Producers
  • Task Management: Process call backs, submissions and mail promptly
  • Work Flexibility: Flexible to perform various assigned tasks
  • Portfolio Review: Promotes company features and benefits as part of an ongoing portfolio review
  • Cross-Selling: Cross-sell a variety of products at every opportunity
  • Client Loyalty: Promotes client loyalty through attention to detail and relationship building
  • Policy Knowledge: Remains current on all company philosophies and procedures
  • Risk Assessment: Accepts risks within established guidelines

3. Insurance Agent Responsibilities

  • Client Relationships: Establish client relationships with new and existing policyholders and follow up promptly
  • Policy Quoting: Quote and bind new customer policies
  • Policy Support: Support policy holders by responding to inquiries regarding insurance availability, eligibility, coverage, policy changes, transfers, claim submissions, and billing clarification
  • Benefits Counseling: Achieve more than just sales- enjoy being a benefits counselor
  • TPA Knowledge: Utilize a house TPA specializing in FSAs, HRAs, HSAs, and COBRA Administration
  • Company Integrity: Work with a sound company that’s had a solid history of integrity and growth for more than 25 years
  • Skill Development: Grow and refine skills to offer clients the NWGS world-class services
  • Account Management: Manage daily account activity such as answering client questions, providing coverage analysis, submitting change requests, invoicing, scanning documents, providing claims referrals, and maintaining timely follow-up procedures
  • Procedure Compliance: Follow procedures as presented in the Personal Lines Procedure Manual with accuracy and attention to detail
  • Carrier Knowledge: Stay current with property/casualty insurance carrier programs and guidelines, for both admitted and non-admitted markets
  • Cross-Selling: Participate in cross-selling opportunities, as well as proactively striving to increase client retention

4. Insurance Agent Job Summary

  • Outbound Calling: Proactive outbound calls to clients/leads
  • Client Meetings: Weekly face-to-face or phone appointments with clients/leads
  • Needs Analysis: Develop and maintain an understanding of client/lead insurance and income planning needs
  • License Maintenance: Maintain insurance licenses and certifications
  • Client Education: Educate clients/leads on products and planning concepts and make appropriate recommendations
  • Market Knowledge: Maintain a thorough understanding of the senior insurance market and related products
  • Carrier Knowledge: Understanding of carrier requirements and technology platforms
  • Competitive Awareness: Keep pace with the changing competitive landscape
  • Client Relationships: Establish client relationships and follow up with clients
  • Policy Support: Support policyholders by responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions and billing clarification

5. Insurance Agent Accountabilities

  • Quote Production: Produce quotes, recommend products, close sales, process designated information to issue policies, and perform policy servicing tasks
  • Customer Acquisition: Support the Company’s overall customer acquisition, retention, and cross-sell/bundling objectives
  • Policy Writing: Write personal lines policies for clients, utilizing referrals from partners and direct applications and interfacing directly with clients
  • Needs Analysis: Perform needs analysis with the client, utilizing a consultative approach, and recommend products that are suitable for the client
  • System Utilization: Utilizing internal and external systems, produce insurance quotes from property/casualty carriers that will meet the client’s needs
  • Information Presentation: Present complex information to clients in an understandable manner
  • Client Support: Answer questions, ensuring the client understands their options
  • Policy Recommendation: Utilizing a recommendation engine, present policies to the client, secure client agreement, and process information to enact the policy
  • Issue Resolution: Respond to client inquiries and concerns
  • Customer Service: Research and resolve complex customer service issues
  • Continuous Learning: Participate in educational opportunities, keeping product and career knowledge current