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Insurance Sales Agents
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Description: what do they do?
Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.
Also known as:
Account Executive, Account Manager, Accounts Executive, Insurance Agent, Insurance Broker, Insurance Sales Agent, Sales Agent, Sales Associate, Sales Representative, Underwriting Sales Representative

    What does this information tell me?

    This description is a quick overview of what workers in this career might do.

    "Also known as" shows other common names for this career.

    What is the source of this information?

    This information comes from an O*NET database. Learn more on the Help page.

Career video
    Transcript: Whether for your car, your house, or your life… protecting assets in case of accidents or other harm is the purpose of insurance… and insurance sales agents help people get the right insurance for their needs. Insurance sales agents sell different types of insurance coverage. For people and businesses, they sell policies that cover financial loss due to accidents, fire, theft, and other events. Life insurance is sold to be paid to beneficiaries when the covered person dies; health and long-term care insurance cover medical care costs. Agents hold meetings with current and prospective clients to discuss finances, analyze clients’ circumstances, and explain different options. They make calls and advertise to attract new clients, and maintain detailed electronic and paper records. Earnings for insurance sales agents are often structured differently than many jobs: most independent agents sell policies from a variety of companies, and are paid based on what they sell. Those employed by agencies or insurance carriers are paid a salary, and may earn a bonus for meeting sales goals. Insurance sales agents usually work full time, and often schedule evening and weekend appointments. A high school diploma is typically required for insurance sales agents, although a bachelor’s degree can improve job prospects. Agents must be licensed in the states where they work.
View transcript
Outlook: will there be jobs?
Image. Employment outlook for this occupation
New job opportunities are very likely in the future.

This occupation is:
  • Expected to grow much faster than average


    What does this information tell me?

    Outlook information can tell you whether a career is expected to be in demand in the future—that is, whether there are likely to be job openings if you choose this career. Please note that this does not account for the impacts of the current pandemic. Many occupations are likely to have very different outlooks due to the rapidly changing economy. When new outlook information is developed, it will be reflected here.

    Careers can have one of three outlooks:

    • A Bright outlook means new job opportunities are very likely in the future
    • An Average outlook means that a small number of new job opportunities are likely in the future (less than an 8 percent increase)
    • A Below Average outlook means new job opportunities are less likely in the future

    You can also view local job listings in this field by clicking "Find job openings". This can help you see if local businesses are hiring—another way of looking at demand.

    What is the source of this information?

    This information comes from O*NET Bright Outlook occupations, 2019. Note this information is only available at a national level, so even if you selected a state, you’ll only see this information for the whole country.

Projected employment
California
47,500
2016 Employment
50,800
2026 Employment
7%
Percent change
4,980
Annual projected job openings
United States
475,900
2018 Employment
524,200
2028 Employment
10%
Percent change
53,400
Annual projected job openings

    What does this information tell me?

    Projected employment shows how much employment is expected to grow in this occupation over a 10-year period. This can help you decide if this career is a good choice for future job opportunities. You can look at projected employment in your state, or in other states where you might consider living.

    You can see the total number of people employed in this occupation in 2016 (for states) or 2018 (for the United States), the number expected to be employed in 2026 (for states) or 2028 (for the United States), and rate of growth over those years.

    The projections are based on assumptions of unemployment rates and labor productivity growth rates.  While the projected numbers may not be exact, they are helpful to compare one career to another, or one location to another.

    Please note that these projections do not account for the impacts of the current pandemic. Many occupations are likely to have very different projections due to the rapidly changing economy. When revised data are available, they will be published here.

    What is the source of this information?

    State-level data come from Projections Central and each state's Labor Market Information office, 2016-26.

    National-level data come from the Bureau of Labor Statistics Employment Projections, 2018-28.

Typical wages

Annual wages for Insurance Sales Agents in San Diego-Carlsbad, CA Metro Area
This graph displays wage data.  Find details by selecting the table view.
This chart displays wage data.  Find details by selecting the table view.
LocationSan Diego-Carlsbad, CA Metro AreaUnited States
10%$34,530$28,000
25%$41,690$36,520
Median$54,030$50,940
75%$82,020$77,460
90%$189,040$125,500


    What does this information tell me?

    This chart shows you a range of how much most workers in this occupation earn per hour, in the location that you selected.

    You can select from three views of this data:

    • The Graph shows you wages at the 10th, 25th, 50th, 75th and 90th percentiles. Note that the lowest (10th %ile) wage shown is not necessarily a "starting wage." Instead it means that 10 percent of all workers in this career earn less that this amount, and 90 percent earn more. However, you can assume that you might earn close to the 10th or 25th %ile wages when you start out in most careers.
    • Select "Chart" to see a visual comparison between national wages and wages in the location you selected.
    • Select "Table" to see more wage data the national and local level.

    Please note that wage data are not available at the city or ZIP code level. If you selected a city or ZIP code, you will see wage data for the regional area.

    You can learn more about wages for this and other occupations by clicking “See more wages” above.

    What is the source of this information?

    The wage information comes from the Bureau of Labor Statistics, Occupational Employment Statistics Program, May 2019 survey. For more detailed state wage data, please find the link to your state's wage data program in the Other Resources box.

Education and experience: to get started
People starting in this career usually have:
  • High school diploma or equivalent
  • No work experience
  • 1 to 12 months on-the-job training

Programs that can prepare you:

    What does this information tell me?

    This shows you the typical level of education, work experience, and on-the-job training that most people have when they start in this career. Note that these are not requirements for entering this field, but the information can help you understand how qualified you might be.

    Interested in starting in this career? You can search for education programs in your local area by clicking “Find local training” above.

    What is the source of this information?

    This information comes from the U.S. Department of Labor's Bureau of Labor Statistics Employment Projections, Education and training assignments by detailed occupation, 2018.

Typical education
How much education do most people in this career have?
Chart. Percent of workers in this field by education level attained

    What does this information tell me?

    This chart shows you the range of education levels that people who currently work in this field have. You can use this to see if you fit in this range. Note that this includes ALL people who work in this field and not just those getting started.

    Interested in getting qualified for this career? You can search for programs that lead to the education needed, in your local area, by clicking “Find local training” above.

    What is the source of this information?

    This information comes from the Bureau of Labor Statistics Employment Projections, Educational attainment for workers 25 years and older by detailed occupation, 2016–17.

Certifications: show your skills
Let employers know you have the skills to do well at this job.
Earning a certification can help you:
  • Get a job
  • Get a promotion

    What does this information tell me?

    When you click "Find certifications" you'll see a list of national certifications that are related to this career. From there, you can learn how to achieve one of these certifications to help you enter or get ahead in this field.

    What is the source of this information?

    This collection of occupational certifications is collected and regularly updated by CareerOneStop. Learn more at Certification Finder Help.

Licenses: do you need one?
Some states require an occupational license to work in this career.

    What does this information tell me?

    When you click "Find license details in your state" you'll see the license name and contact information for the agency in your state that oversees licensing for this field. If you have not selected a location, you'll see a list of all state licenses for this occupation.

    What is the source of this information?

    Information on licensed occupations is gathered in each state by Labor Market Information units under a grant from the U.S. Department of Labor. Learn more at License Finder Help.

Apprenticeships: learn on the job
Apprenticeships combine paid on-the-job-training with classroom lessons.

Activities: what you might do in a day
  • Customize financial products or services to meet customer needs.
  • Sell products or services.
  • Explain financial information to customers.
  • Take product orders from customers.
  • Maintain records of sales or other business transactions.
  • Identify potential customers.
  • Develop professional relationships or networks.
  • Gather customer or product information to determine customer needs.
  • Prepare sales or other contracts.
  • Review accuracy of sales or other transactions.
  • Develop marketing plans or strategies.
  • Calculate costs of goods or services.
  • Process sales or other transactions.
  • Examine condition of property or products.
  • Attend events to develop professional knowledge.
  • Study product information to acquire professional knowledge.

    What does this information tell me?

    This is a list of typical work activities that people in this career might do on the job. You can use this list to get an idea of whether this career might be a good fit for you.

    Click on “More activities” to see more detailed examples of activities for this career.

    You can also use this list to help you prepare for a job interview. Or, if you’ve already held a job like this, you can copy these activities to use on your resume.

    What is the source of this information?

    This information comes from O*NET OnLine's Occupation Information. They are O*NET’s Detailed Work Activities.

Knowledge
People in this career often know a lot about:
  • Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
  • Sales and Marketing - Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.
  • English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
  • Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
  • Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
  • Transportation - Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
  • Administration and Management - Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

    What does this information tell me?

    This is a list of general knowledge areas that are most commonly required for jobs in the career. Knowledge is typically gained through education and related experience.

    This list can help you learn if you are prepared for a job in this career. It can also help you decide on education or training programs that could help you prepare for the career.

    What is the source of this information?

    This information comes from the O*NET Resource Center. Learn more about O*NET's Knowledge descriptors.

Skills
People in this career often have these skills:
  • Reading Comprehension - Reading work-related information.
  • Active Listening - Listening to others, not interrupting, and asking good questions.
  • Speaking - Talking to others.
  • Critical Thinking - Thinking about the pros and cons of different ways to solve a problem.
  • Writing - Writing things for co-workers or customers.
  • Persuasion - Talking people into changing their minds or their behavior.
  • Time Management - Managing your time and the time of other people.
  • Service Orientation - Looking for ways to help people.

    What does this information tell me?

    This is a list of a list the work-related skills most commonly required for jobs in the career.

    This list can help you understand how well your current skills fit this career. It can also help you plan your education or professional development.

    What is the source of this information?

    This information comes from the O*NET Resource Center. Learn more about O*NET's Skills descriptors.

Abilities
People in this career often have talent in:
  • Oral Expression - Communicating by speaking.
  • Written Comprehension - Reading and understanding what is written.
  • Oral Comprehension - Listening and understanding what people say.
  • Speech Clarity - Speaking clearly.
  • Speech Recognition - Recognizing spoken words.
  • Written Expression - Communicating by writing.
  • Near Vision - Seeing details up close.

    What does this information tell me?

    This is a list of a list of personal qualities that might influence work and are most commonly required for success in this career.

    This list can help you understand if your natural strengths and abilities are a good fit for this career.

    What is the source of this information?

    This information comes from the O*NET Resource Center. Learn more about O*NET's Abilities descriptors.

Interests
  • Conventional - Occupations related to Conventional interests frequently involve following set procedures and routines. They include working with data and details more than with ideas. Usually there is a clear line of authority to follow.
  • Enterprising - Occupations with Enterprising interests frequently involve starting up and carrying out projects. Many involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.
  • Social - Occupations with Social interests frequently involve working with, communicating with, and teaching people. Most involve helping or providing service to others.

    What does this information tell me?

    This is a list of work environment-preferences that are most commonly associated with the career. It can help you understand if your natural interests are a good fit for this career.

    Click "Take an interest assessment" for a quick 30-question assessment that can help you understand your interests and see careers that might be good matches for them.

    What is the source of this information?

    This information comes from the O*NET Resource Center. Learn more about O*NET's Interest descriptors.

Typical tasks
  • Customize insurance programs to suit individual customers, often covering a variety of risks.
  • Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice.
  • Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
  • Perform administrative tasks, such as maintaining records and handling policy renewals.
  • Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
  • Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
  • Confer with clients to obtain and provide information when claims are made on a policy.
  • Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage.
  • Contact underwriter and submit forms to obtain binder coverage.
  • Select company that offers type of coverage requested by client to underwrite policy.
  • Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
  • Develop marketing strategies to compete with other individuals or companies who sell insurance.
  • Calculate premiums and establish payment method.
  • Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
  • Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
  • Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.

    What does this information tell me?

    This is a list of typical tasks that people in this career might do on the job.  You can use this list to get an idea of whether this career might be a good fit for you.

    Click on “More tasks” to see more detailed examples for this career.

    You can also use this list to help you prepare for a job interview. Or, if you’ve already held a job like this, you can copy these tasks to use on your resume.

    What is the source of this information?

    This information comes from O*NET OnLine's Occupation Information. They are O*NET‘s Tasks.

    What does this information tell me?

    These are additional online resources related to this career. You may find different or more detailed information at these sources.

    What is the source of this information?

    This information is collected and maintained by CareerOneStop.