Your Healthy Living Health Insurance What Does an Insurance Agent Do?

What Does an Insurance Agent Do?

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Whether you’re looking for a new health insurance plan or need help with your current plan, an insurance agent can help you find the best plan for your specific needs. Insurance agents can also answer questions about coverage, benefits, and claims. The main difference between an agent and a health insurance company employee is that agents aren’t required to undergo criminal background checks or pass license exams.


A health insurance agent earns a commission on the policies they sell. The amount of this commission varies by state and type of insurance. Generally, a health insurance agent’s salary is higher than those of other insurance agents. The pay range for this occupation ranges from $42,000 to over $65,000 a year.

The salary of an insurance agent may vary greatly depending on the insurance company and level of experience. The highest-paying companies are New York Life Insurance and DialAmerica. Salary rates are also dependent on the level of education and special skills acquired. Salary figures are available from the Bureau of Labor Statistics.

Health and life insurance agents generally work in an office environment but can also work from home. The schedule is usually flexible but some may have to work nights or weekends to meet clients. They may also travel to conferences and training seminars. This type of job requires a lot of independence and strong people skills. A health insurance agent’s salary depends on how many policies they sell.

Salary of insurance agent health benefits differ from one company to another. Typically, a health insurance agent earns ninety percent of the premiums collected during the first year. Additional payments may include profit sharing or tips. Other types of compensation may include overtime pay and commissions. Some health insurance agents also earn tips.

The average insurance agent earns $49840 a year. Many insurance agents work more than forty hours a week. Most employers don’t require prior experience for these positions. Moreover, most companies have internal training programs for new agents to help them become familiar with the products. However, they do require an insurance license.


Certifications for insurance agents are a great way to prove to potential clients that you are an expert in your field and have invested in continuing education. These certifications also allow you to add designation letters to your name. They also help you understand litigation and the risks associated with the insurance industry. These agents must adhere to state rules and regulations and should keep up with industry trends.

Insurance agents can also get additional training and certifications by taking a few online classes and attending conferences. The National Alliance for Insurance Education and Research (NAIER) is an association that sets standards for continuing education. Various organizations also offer trainings, such as the Institute for WorkComp Professionals, which helps insurance agents understand worker’s compensation agreements. The Institute for Risk and Insurance Knowledge Group (RIK) also offers educational courses and networking opportunities for insurance agents.

The Centers for Medicare and Medicaid Services (CMS) has many resources for health insurance agents. Visit their website to learn more about health insurance agent certification. Evernote is an excellent tool for agents to keep track of notes, and collaborate with their colleagues. Insurance agents can also take advantage of online video conferencing tools to meet with key clients and track time and meeting dates.

The AAI is a certification for insurance agents that is similar to CIC, but more comprehensive. It is offered by the Institutes and takes between nine to fifteen months to complete. It’s a great foundational certification before pursuing the CPCU. This certification consists of coursework and exams.

The exam consists of multiple choice questions. It may contain up to 200 questions. Its result is a printout that shows your overall score and a grade. You will either pass or fail depending on your score. Once you pass the exam, you’ll be able to apply for insurance. You’ll also have to take continuing education courses. Continuing education courses are available through the ExamFX website.


Duties of an insurance agent in the health insurance industry are varied, and can range from helping clients find insurance plans to assisting them with the claims process. The job also involves assessing a client’s needs and recommending the best health insurance plan. Agents also work with technology to ensure that information submitted is accurate and in compliance with applicable rules and regulations. They must be able to submit applications on time and follow company and CMS policies to ensure their clients’ protection.

In addition to promoting and selling insurance products, insurance agents are responsible for developing and maintaining a client base. They deal with individuals, families, and corporate entities. Marketing strategies must be carefully designed and updated periodically, depending on the needs and desires of the customer. They should be aggressive in developing their clientele and implementing effective business development strategies.

Health insurance agents must be knowledgeable about the policies they sell and educate prospective clients on the benefits and limits of health insurance coverage. Health insurance agents are responsible for maintaining a computerized record of current and prospective clients’ health insurance policies. They may also be responsible for settling claims and handling policy renewals.

Insurance agents are also responsible for finding new business for their insurance companies. This is done by explaining different insurance policies to prospective clients and guiding them to the right policy. Some agents work directly with one company, while others are independent brokers. Agents perform a variety of duties, from scheduling appointments to marketing appropriate products in line with the company’s standards.

Health insurance agents are typically office-based, though some work from home. They work during regular business hours and occasionally on weekends or evenings. Agents also frequently travel to meet clients and attend training seminars. Agents must have good people skills and be self-motivated and independent. Their pay is directly proportional to the number of policies they sell.


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