Insurance Agent

SHELBY INSURANCE AGENCY, INC.

Position Title: Insurance Agent

Department: Insurance

Reports directly to: Office Manager

FLSA designation: Non-exempt

Position Purpose and Summary: Insurance agent specializes in providing his/her clients with insurance policies that protect them against damage, illness, theft or death. Primary objective of this professional is to sell policies that will meet the requirement of the client. He/she needs to obtain new clients and raise the clientele of the organization. An agent is the representative of an insurance company and is considered as the first point of contact. Basically, insurance agent responsibilities involve providing information about the various policies to the prospective clients or policy holders or the existing clients, clarifying doubts and convicting them to opt for the right policy that will fulfill their requirement. He/she needs to possess complete information about various products and services of the company, since they have to explain it to the potential client in order to convince them for taking the policies.

Main Duties and Responsibilities:

· Provide the highest level of service

· Greet walk-in customers and other visitors with a warm welcome and a smile

• Take details of the client requirement, conduct study on it, understand it and then suggest the appropriate option to the client
• Calculate premiums of policy and discuss the same with the clients; attend programs, seminars and meetings to learn about new techniques, services and products and acquire mechanical support in creating new accounts
• Call on clients or policy holders to explain and deliver policy, to change beneficiaries, to estimate insurance program and recommend changes or additions
• Monitor insurance claims to make certain they are settled rightfully for both the insurer and the client
• Confer and discuss with clients to provide or receive information when policy claims are made
• Develop marketing and sales to compete with contenders or individuals in the same field
• Contact underwriters and customize insurance plans that will fulfill the client's needs, often covering multiple risks; ensure that the given policy suits the client's need, considering any essential medical test and the completion of form correctly
• Inspect and examine the general condition of the property, age, type of construction, and other characteristics to make decision if it is an appropriate insurance risk
• Explain features, benefits and demerits of various policies to encourage sale of insurance plan
• Interview potential clients to acquire data about their needs and financial resources, the physical condition of the person (for life insurance) or property (in case of property insurance) to be insured and know about any existing coverage
• Opt for a company that offers certain type of coverage requested by the client
• Plan out and review integration of insurance program into the accounting system of organization
• Carry out administrative tasks such as handling policy renewals and maintaining records
• Promote and sell different types of insurance policies to individuals and businesses on behalf of insurance companies which involve fire, life, automobile, dental and medical insurance or dedicated policies such as farm/crop, marine, and medical malpractice
• Look for new clients and increase the clientele by developing network to find out prospective clients and new customers
• Understand the requirement of the customer and request higher authorities to make certain revisions in the insurance plan to meet the client's needs
• Update their knowledge regarding policy related information such as modifications in the existing products or services or introduction of a totally new product
• Involvement in community events and/or civic organizations
• Other duties as assigned
• Promote the insurance agency to customers who need insurance
• Educate customers on each type of insurance coverage and make recommendations based on their needs
• Evaluate current insurance policies and recommend additional coverage when needed
• Maintain all insurance documents in a confidential way
• Monitor Insurance claims to ensure mutual satisfaction.

Qualification Requirements:

• High school diploma or equivalent
• Background check must be passed
• Ability to read and interpret policies, procedures, memorandums, etc.
• Ability to present oneself in an appropriately clean, professional dress and manner
• Provide courteous, knowledgeable and professional customer service both in person and on the phone
• Assume responsibility, display initiative, and exercise good judgment
• Display an ability to remain attentive and discreet
• Organizational ability and dependability
• Ability to work cooperatively with others as part of a formal or informal team to accomplish Insurance Agency goals; to respect the needs, ideas, and contributions of others
• Operate a variety of standard office machines; telephone, computer, fax, copier, etc.
• Continuing education classes as required by law.

Working Conditions and Hours:

Work mostly indoors. May work outdoors to examine houses or cars that people want to insure. Use a car to travel to and from client homes or offices. Often work near others. They may share the same office space. The insurance agency is expected to be open and operating promptly by 8:00 a.m. and continued until 5:00 p.m. on Mondays-Fridays.

Disclosure:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Job Type: Permanent

Pay: From $35,568.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off

Education:

• High school or equivalent (Preferred)

Experience:

• Insurance sales: 1 year (Preferred)

License/Certification:

• insurance license (Preferred)

Work Location: In person