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Sunday, October 16, 2011

How to Get an Insurance Agent License?



Insurance agents are the agents who are dedicated in helping people for finding and purchasing the most suitable policies for life, health, property, casualty, and other types of insurance. So many insurance agents work for insurance companies and offer the customers their company’s insurance plans. There are individual insurance agents also who work as brokers; they are not employed by a specific company. They investigate various companies for their offered insurance plans and then they choose the best one for their clients.


In insurance sales there are different laws, regulations, and industry-specific procedures involved, that’s why professional insurance agents are required to hold a specialized license. To have the professional insurance agent license you must be having a college degree and field experience and also you will have to prepare for an extensive written or computerized examination.

There are some insurance agents who are having high school diplomas but majority of brokerage firms and insurance companies prefer to hire people with college experience. It will be a plus point for you in getting insurance agent license if you are having a bachelor’s or master’s degree in economics, finance, business administration, or similar subject. In college you are having great opportunity to learn the different mathematical functions, statistical analysis, and management tactics involved in the insurance business. College students and other individuals who want to become insurance agents usually look for part- or full time jobs in sales, customer service, or administrative assistant work to gain experience dealing with clients.

When you will get a job at an insurance company or private brokerage firm in the beginning you will be assisting established agents, performing receptionist duties, and observing them in their work. In this way you will learn about certain policies and also will learn how to handle different situations from experienced sales agents. Before you are allowed to sell the insurance policies, you will have to pass insurance agent license exams.  Insurance agent license exams are administrated by the state or country government boards.

In different states insurance agent license exams are having different content, but most exams measure new agents’ understanding of confidentiality, ethics, general sales procedures, and specific insurance laws. There is lot of content available in bookstores, libraries, and websites about insurance agent license exams. You can get useful tips from them and can prepare for exam in better way. The licensing test can be written or online and it costs a small fee that is frequently covered by a person’s employer. When you will pass the insurance agent license exam, you will receive the credentials that allow you to start recruiting clients and selling policies independently.

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