Job Descriptions/ Life Insurance Agent

Life Insurance Agent Job Description: Duties, Skills, Education & Salary

A Life Insurance Agent helps individuals and families secure financial protection through tailored life insurance policies. These professionals assess clients’ financial needs, educate them on insurance options, and provide ongoing policy support. They work for insurance agencies, brokerages, or independently.

Use this expert-created job description to attract top-performing agents ready to grow your insurance client base.

Jul 25, 2025

Life Insurance Agent Job Description Template

Job Title: Life Insurance Agent

Location: [Insert Location]

Job Type: [Full-time/Part-time/Contract]

Reports To: Insurance Sales Manager / Regional Sales Director

About the Role

We are looking for a motivated and personable Life Insurance Agent to join our team. In this role, you will guide clients through the process of selecting appropriate life insurance products based on their individual needs and long-term financial goals. You’ll be responsible for lead generation, policy education, and closing sales—all while maintaining strong relationships and providing excellent client service.

Key Responsibilities

Identify prospects through cold calls, networking, referrals, or marketing campaigns
Meet with clients to assess financial situations and life insurance needs
Present customized life insurance solutions, including term, whole, and universal life policies
Explain policy terms, conditions, coverage, and premium options clearly
Assist clients in completing applications and submitting required documentation
Follow up on client inquiries, manage renewals, and handle claims support if needed
Maintain detailed client records and stay current on insurance products and regulations
Meet or exceed individual and team sales targets

Essential Skills and Qualifications

Strong interpersonal and communication skills
Sales-oriented mindset with a customer-first approach
In-depth understanding of life insurance products and financial planning principles
Self-motivated and organized with strong time-management skills
Ability to explain complex insurance concepts in simple terms
Familiarity with CRM software and digital tools for sales tracking
Problem-solving abilities and ethical judgment

Education and Experience

High school diploma or equivalent required
Associate’s or bachelor’s degree in finance, business, or related field preferred
Active state life insurance license (required)
1–3 years of sales or insurance industry experience is preferred
Training in financial planning or insurance sales is a plus

To apply, please send your resume and a short cover letter to [email protected] or call us at +1 999999999.

Average Life Insurance Agent Salary

In the United States, Life Insurance Agents earn between $48,000 and $85,000 annually, with top performers making $100,000+ through commissions and bonuses.

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Frequently Asked Questions

1. What is the role of a Life Insurance Agent?

A Life Insurance Agent helps individuals and families choose policies that protect their financial future. They identify client needs. Next, they recommend coverage options. After that, they assist clients in purchasing and managing life insurance plans.

2. What are the responsibilities of a Life Insurance Agent?

Life insurance agents identify client needs and present suitable products. They close sales and provide ongoing support. Agents must stay updated on industry changes. They also need to comply with legal and ethical standards.

3. How to hire a Life Insurance Agent?

To hire a skilled Life Insurance Agent, define your needs, check licenses, and evaluate communication skills. Platforms like Skima AI can simplify hiring by offering AI-matched candidates tailored to your role and requirements.