How to Become an Insurance Agent: A Guide for Ambitious Self-Starters


How to Become an Insurance Agent: A Guide for Ambitious Self-Starters

Are you wondering if you have what it take to become an insurance agent? This can be a very lucrative career for those that are hardworking and great at communicating with others.

If you are wondering how to become an insurance agent, keep reading. In this guide, we will go over where you need to start when it comes to selling insurance.

Decide What Kind of Insurance Agent You Want to Be and Get Licensed

The insurance field is a broad one and you need certain licensing for the area of expertise you decide on.

There is no insurance agent licensing that will allow you to work in any career in this industry.

For this reason, the first thing you will want to do in order to become a successful insurance agent is to decide what kind of insurance agent you hope to become.

You can do so by determining what kind of insurance you want to sell. Some of the most common types of insurance for sellers are property, life, health, and casualty insurance.

To earn an insurance license you need to be at least eighteen years of age.

You will need to pass an exam in the state that you are hoping to sell insurance in order to receive certification.

Many states will make educational courses and training mandatory before you can take the exam. You will also need to pass a background check in order to receive your license.

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Figure Out if You Will be a Captive or Independent Agent

Once you have received licensing you will want to decide whether you want to be an independent agent or if you would like to be a captive insurance agent.

An independent agent will work for themselves while a captive agent will work for an insurance company.

Captive agents will work under a specific insurance carrier and will only sell their company’s product to their clients.

In most cases, captive insurance agents will receive benefits and opportunities for further training and education.

They also tend to receive financial support for their office expenses. An independent agent will work for themselves and will sell a variety of insurance types to their clients, meaning they will sell products from a variety of carriers.

Independent agents will need to use their own resources in order to market and run their business but often receive higher commission profits than captive agents.

Additionally, by being able to offer a variety of insurance options and solutions, independent agents can better tailor insurance solutions to meet the unique needs of their clients.

Once you have decided what kind of agent you will be, you will then want to begin focusing on generating leads.

Learn more on this topic at Final Expense 101.

Become an Insurance Agent: Start With These Steps Today

If you are hoping to become an insurance agent, keep the starting steps in this guide in mind to get the ball rolling.

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