What it's like to be a Life Insurance Adviser - Agent

roles and responsibilities of life insurance agent
Delnaz Thompson

Many people are still under the impression that the polices are still practiced the old ways and are uncertain about taking an insurance policy for the simple fact that they feel they will have to go through a lot of formalities for this. Now days the process of getting an insurance has changed and it is made a lot easy to get a policy. There are two ways by which you can get a insurance policy. One would be by getting it yourself via the insurance broker website and the other option would be to hire a good agent to finish the deal for you.

Now a days, there are many people who are choosing as a career option because the income is steady and good. When you have decided to choose life insurance as a career, you need to be aware of few key aspects. Life insurance agents also referred to as sales agents. There are many people who don't like to be called insurance sales agents because of the word 'sales'. Like any other sales person, the insurance agent is also a sales person for the company.

The same time the agents are not merely sales persons unlike the sales persons they do not try to sale or push off the product the insurance agents also give good advice to their customers. So, it can be concluded that the insurance sales agents can be termed both as a sales person and a financial adviser. And because of this many feel that they will need to have a financial background to become an insurance agent. This is not a must but it is often preferred if the person is well-informed about the finances and the finance domain. An agent will have to gratify a wide range of customers.

The job of an insurance agent is not only to give financial advice or sell insurance to individuals, but an insurance agent often deal with not only individuals but families and corporate businesses too. There are two categories of insurance agents, the first category is the one who deals with captive insurances and the second category is the independent agent. When you wish to pursue your career as a agent then you can choose the category you will want to specialize in. Many people prefer the second category of the independent insurance agent.

There are many general policies that a agent can sell in addition to the policies and there are:

Casualty insurance
Health insurance
Disability insurance
Long-term care insurance

Life insurance agents may also be found selling other financial packages such as variable annuities, mutual funds and other securities. The opportunities for the are endless and sky is the limit. The earning potential varies from one agent to another agent. The more the agent sells, the more that life insurance agent will earn. An agent must be aware of the market conditions very well and he or she must be able to guide the customer properly.

If the customer has asked for the best term life insurance prices, a insurance agent must strive hard to give that customer what he or she wants. Respecting the sentiments of the customer is very important. Some customers may not be able to afford the whole insurance prices so they may ask for the term life insurance prices. The main goal of the agent is to sell the insurance policy that is right to the customer.

Selling the term life insurance policy to the customers is sometimes very easy because of the low term life insurance prices. However, when the customers ask about the investment part, most agent fumble and get nervous. Although the term life insurance prices are low, there is no cash value accumulated at the end of the term period.

In a situation like this a life insurance agent should be ready to offer a solution of other saving scheme. A life insurance agent should be thought all the selling techniques in how to handle customers who are apprehensive and not sure if they really want the policy, the agent should know how to convert this objection into deals. Captive agents are constrained by the rules and regulations of the company. These terms and conditions should first be conveyed to the customer.

To get the most competitive life insurance, check out Delnaz Thompson's site. She specializes in the different cheap life insurance. Visit her site for more information.

INSURANCE AGENT COURSES

Virginia Life and Health Insurance Exam Training - VA Life, Health Pre Licensing Course

Earn your Life and Health Insurance License for Virginia with our updated and online training courses.

Virginia Insurance Online Course—Online Study Tools, & Review Exams

American Investment Training and Kaplan’s new Insurance Licensing offering is a completely redesigned exam prep package providing a comprehensive solution for your Virginia life and health insurance pre-licensing needs. Our insurance training will make your study time more efficient and effective, leading to greater success on the VA pre insurance licensing exam. 

The Virginia Life and Health Insurance Online Package includes*:

Instruction

• Online exam prep course

Online Study Tools

• NEW! Videos to provide a classroom experience (online)
• NEW! Cram Sheets
• License Exam Manual (PDF)
• State Law Supplement (PDF)
• Audio Review with closed-captioning functionality
• InsurancePro™ QBank
• Study Calendar with task-based benchmarks to ensure you stay on track
• InstructorLink™
• Performance Tracker 

Exam Prep Review

• NEW! Checkpoint Exams to provide student remediation at key intervals throughout the course (online)
• Mastery Exams to align with the state exam (online)

VIRGINIA LIFE AND HEALTH COURSE PAGE

Minnesota Life and Health Training Course - Updated Insurance life training Minnesota

American Investment Training and Kaplan Financial provide the most up to date and approved Life and health insurance license training for Minnesota Agents.

The Minnesota course pairs the structure and interactivity of an online course with the ability to study nearly anywhere, anytime. Prepare, practice and perform with structured instruction on a flexible schedule. Experience the freedom of an online course, while still having direct access to expert instructors with years of industry experience. This package also includes an online certification exam and Certificate of Completion** (required by the state).

The Essential Package includes:

Instruction

• Online Course

Study Tools

• License Exam Manual (PDF)
• State Law Supplement (PDF)
• InsurancePro™ QBank (online)
• Study Calendar (online)
• Video Library (online)
• Audio Review (online)
• InstructorLink™ (online)
• Performance Tracker (online)
• Updates (online)

Exam Review

• Mastery Exams A & B (online)

*The online access period for your insurance licensing course is 90 days. An additional 90 days may be purchased at $49. Please call or email our student support center to request this extension.

**State requirements for completing the online certification exam must be followed precisely in order for a Certificate of Completion to be earned and issued.

Please note: In this state, insurance licensing courses for combined line of authority licenses, like Life & Health or Property & Casualty, are required to be completed separately for each line of authority (Life only, Health only or Property only, Casualty only). As a result, you must also successfully pass separate certification exams in order to obtain a certificate of completion for each line of authority.

This course has been approved by the Minnesota Commissioner of Commerce for 40 hours of Insurance prelicense education.

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Minnesota Life And Health Course