Job Title: Insurance Agent
Type of Company: I work for an insurance agency in Skowhegan, Maine.
Education: AS, Travel & Tourism, Hesser College (Portsmouth, NH)
Previous Experience: I started out typing policies for an insurance company.
Job Tasks: I help clients with determining the correct coverages for their business insurance. I take phone calls from existing clients to help with their questions about insurance. I also help with billing issues and provide proof of insurance upon request by the insured. Upon renewal of a client's policy(ies) I review the differences in coverage if the policy has changed or if the premium has changed. When re-writing or quoting with other companies I review each company's coverage forms to make sure the insured does not lose any coverages and potentially gains coverages to better suit the insured.
There is a lot of follow-up work in insurance and a lot of times I do not get an answer the same day. Knowing each insurance company's requirements and coverages is a huge plus. Since each company is different this can be difficult at times. It is good practice to have notes with what is acceptable to the companies. Having access to the internet and company websites is critical to working efficiently and provides excellent information. The computer is vital in today's business since a lot of companies are now paperless and trying to go green. Customer service is a must to help maintain business.
The insurance world is forever changing with new coverages and new exclusions which makes the job very challenging; this keeps you on your toes as to what is needed for clients.
Best and Worst Parts of the Job: The best part about my job is its variety. There is always something different to do that presents new challenges. The worst part is being unable to resolve problems as quickly as you'd like.
Job Tips: Taking insurance courses can be very beneficial. The best way to learn the job, though, is by doing. Experience in dealing with customers is a must also. Knowing how to listen to the customer is very important since the customer generally doesn't have a good knowledge of insurance and doesn't like the fact that they have to purchase it.
Additional Thoughts: If you like challenges and don't mind changes this would be a great job for you. If you don't mind that things have to wait and are not resolved quickly, you would do well in this occupation.
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