Preneed Insurance Agent Position

Preneed Insurance Agent
 
 Job Description

Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.

Calculate premiums and establish payment method.

Customize insurance programs to suit individual customers, often covering a variety of risks.

Sell Preneed insurance policies to individuals on behalf of insurance companies.

Interview prospective clients to obtain data about their financial resources and needs, and  discuss any existing coverage.

Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.

Explain features, advantages and disadvantages of various policies to promote sale of insurance plans.

Contact underwriter and submit forms.

Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.

Confer with clients to obtain and provide information when claims are made on a policy.

Perform administrative tasks, such as maintaining records and handling policy renewals.

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.

Attend meetings, seminars and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.

Knowledge Requirements :
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.

Computers and Electronics -- Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

Clerical -- Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.

Economics and Accounting -- Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

Skill Requirements:

Active Listening-- Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

Speaking-- Talking to others to convey information effectively.

Time Management-- Managing one's own time and the time of others.

Reading Comprehension-- Understanding written sentences and paragraphs in work related documents.

Persuasion-- Persuading others to change their minds or behavior.

Service Orientation-- Actively looking for ways to help people.

Social Perceptiveness-- Being aware of others' reactions and understanding why they react as they do.

Judgment and Decision Making-- Considering the relative costs and benefits of potential actions to choose the most appropriate one.

Active Learning-- Understanding the implications of new information for both current and future problem-solving and decision-making.

Critical Thinking-- Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.