Job Title: Insurance Agent
Type of Company: My company provides life, accidental, and health insurance.
Education: MA in Education and BA in Political Science, Stanford University (Stanford. CA) MPP, Harvard University (Cambridge, MA) Educational Leadership certification, Sacred Heart University (Fairfield, CT)
Previous Experience: Served as an assistant principal for two years and taught for fourteen years. My previous experience is not relevant to my current job.
Job Tasks: My main responsibility is to sell insurance to union members and their sponsors.
Each Monday, I report to the office. At the office, I submit completed applications for life insurance policies to the office manager, attend a weekly meeting to review effective sales strategies, and schedule appointments for the upcoming week. I schedule appointments by calling union members who have indicated that they are interested in the services provided by my company. I also call referrals--people sponsored by those with whom I have met to sell life insurance.
Each Tuesday and Wednesday, I follow my appointment schedule. Typically I have six to nine appointments a day. Each appointment is in the home of the client I am meeting with to sell insurance. I use my own car to travel between each home. Usually, appointments begin around 1:00 and end by 9;00.
On Thursday, I return to the office to submit paperwork and schedule appointments.
As on Tuesday and Wednesday, each Friday and Saturday morning, I meet with clients. At these appointments, I provide information about our life insurance policies. If the client qualifies for life insurance, can afford it, sees the value in our products and trusts me, I make a sale. Otherwise, I do not.
I only make money if I get sales. I do not get paid for my time. In other words, I work on commission.
Best and Worst Parts of the Job: The best parts of the job are he following: 1. I make my own schedule. 2. I get to discover new communities and neighborhoods--I use GPS to find the homes of my clients. 3. I report to the office only twice a week--the rest of the time on in my car in route to an appointment or in a client's home. 4. I help people protect their loved ones from financial hardship following a tragic loss.
The worst parts of my job are as follows: 1. No matter how hard I work, if I don't get any sales, I don't make any money. 2. I spend more money on gas and car maintenance due to all the driving required by my job. 3. During the week, I don't have time to meet up with friends when they get out of work because I'm still working.
1. Learn how to manage your money prior to becoming an insurance agent. Most insurance agents are contractors rather than employees. When they get paid, taxes are not withheld. Each agent must determine how much s/he owes in taxes and save enough from his or her income to pay that amount each three months or at the end of the year.
Additional Thoughts: Qualities for success: willingness to work long hours and confidence
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