Insurance agents are the insurance company’s front liners to its clients and potential markets. They are the ones who search for customers, aid them in selecting the right insurance products to meet their needs, and provide continuing support.
Often, being an insurance agent is part-time job, something that career people do on the side to earn extra income from commissions. But while it is work that can be done on leisure time, insurance agents are also tasked to reach monthly customer quotas. A person?s sales and marketing abilities come into play.
Most insurance companies train their agents to give them full comprehension of the products they sell. But while seminars and training are available for recruits, insurance companies often prefer to hire college-educated applicants. This is because a background in finance and accounting is necessary to be successful in selling insurance policies.
Previous experience in sales is, of course, a big boost. A working knowledge of the use of information technology, such as the Internet and computers, is necessary to ensure that relationships with clients are kept intact. An applicant who has a background on presentation skills, sociology and psychology, may already have an edge over other applicants.
An insurance agent may have control over his time and schedule, but he has to travel a lot to meet clients. Sometimes, he may have to work weekends and past normal office hours just to be able to present to potential customers. Most often, these presentations do not necessarily result in clients actually buying a policy.
Before insurance agents can get into the field, they must be fully licensed and must have passed the necessary exams to ensure their comprehension of financial policies. There are different exams for different kinds of accreditation.
By: Jennifer Bailey
Posts Tagged ‘Insurance Agent’
Insurance Agent
April 30th, 2010Flood Insurance Information
March 25th, 2010
In 1968 the National Flood Insurance Program (NFIP) was established to offer flood protection for property owners. The insurance is sold by private participating companies and the risk is backed by the federal government. The cost is the same at each participating company.
Standard homeowner policies DO NOT cover flood damage. One of the main coverage’s on a homeowner’s policy is for fire damage. Floods damage far more homes than fire so it is important to get a separate flood policy. There is a misconception that flood insurance is not necessary because of government disaster relief for flooded areas. The truth is that these relief programs are generally in the form of a loan. The loan then has to be repaid in addition to any payment you are already making for your home mortgage.
You can insure just your home or business or add coverage for your personal property at additional cost. It is also possible to get just the personal property coverage. This can be a good option if you are renting. The cost is typically around $400 per year (less for personal property only coverage). If you are in an area that is at high risk for flooding, the cost will be higher. Your insurance agent can give you the rate for your home. If your agent doesn’t sell flood insurance you can contact the NFIP at 800-427-4661. You can also find information at www.floodsmart.gov website. Texas residents can get information or a quote from my website at www.Texas-Flood-Insurance.com. There is a standard 30 day waiting period for flood insurance to go into effect. You can’t wait until a big storm threatens and get the insurance at the last minute!
By: Glenn Lamb
State Farm Home Owner Insurance Quote
March 14th, 2010
If you have a home business and need a home owner insurance quote, consider getting your home owner insurance quote from State Farm. As long as you purchase enough home owner insurance to adequately protect your home as well as your home business, you will be safe; however, making sure you have enough home owner insurance for both your home and your home business is just the start. You must take a few more steps throughout the duration of your home owner insurance policy to make sure your home business is thoroughly covered with your State Farm home owner insurance policy.
First, make sure you have taken proper inventory of your home business’ equipment. Include computers, printers, fax machines, copy machines, shredders, scanners, and any other expensive electronic equipment, as well as filing cabinets, desks, and chairs. These are the pieces of equipment you will need to list in the event your home business becomes damaged in some way, so it is extremely important not to forget anything. Also, keep your inventory up to date, and notify your State Farm home owner insurance agent so he or she can make the necessary changes to your State Farm home owner insurance policy.
Next, consider investing in protection devices such as lighting protection systems and electrical surge devices. You can contact a contractor for more information about these kinds of protection.
Finally, keep your State Farm home owner insurance quote low by taking your own precautions. Install a safety alarm system. Record the serial numbers of all business office equipment you purchase. Buy a large safe and store all smaller, expensive office equipment in it when you’re not in the office. If you are willing, consider bolting your larger office equipment to the floor, such as desks, safes, and copy machines.
Take these steps before you get your State Farm home owner insurance quote, and maintain them to keep that quote low.
By: Elizabeth Newberry
