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Insurance Sales Agents

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Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.

Sample of reported job titles: Insurance Agent, Insurance Broker, Insurance Sales Agent, Sales Agent, Sales Associate, Sales Representative, Underwriting Sales Representative

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Tasks  |  Technology Skills  |  Tools Used  |  Knowledge  |  Skills  |  Abilities  |  Work Activities  |  Detailed Work Activities  |  Work Context  |  Job Zone  |  Education  |  Credentials  |  Interests  |  Work Styles  |  Work Values  |  Related Occupations  |  Wages & Employment  |  Job Openings  |  Additional Information

Tasks

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  • Customize insurance programs to suit individual customers, often covering a variety of risks.See more occupations related to this task.
  • Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice.See more occupations related to this task.
  • Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.See more occupations related to this task.
  • Perform administrative tasks, such as maintaining records and handling policy renewals.See more occupations related to this task.
  • Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.See more occupations related to this task.
  • Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.See more occupations related to this task.
  • Confer with clients to obtain and provide information when claims are made on a policy.See more occupations related to this task.
  • Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage.See more occupations related to this task.
  • Contact underwriter and submit forms to obtain binder coverage.See more occupations related to this task.
  • Select company that offers type of coverage requested by client to underwrite policy.See more occupations related to this task.
  • Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.See more occupations related to this task.
  • Develop marketing strategies to compete with other individuals or companies who sell insurance.See more occupations related to this task.
  • Calculate premiums and establish payment method.See more occupations related to this task.
  • Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.See more occupations related to this task.
  • Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.See more occupations related to this task.
  • Plan and oversee incorporation of insurance program into bookkeeping system of company.See more occupations related to this task.
  • Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.See more occupations related to this task.
  • Install bookkeeping systems and resolve system problems.See more occupations related to this task.
  • Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.See more occupations related to this task.

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Technology Skills

Show fewer All 18 displayed     Show 8 tools used
  • Calendar and scheduling software — Scheduling softwareSee more occupations related to this technology.
  • Customer relationship management CRM software — Allied Financial Software Act4Advisors; Applied Systems Vision; Insurance Technologies ForeSight Enterprise; Tangle S Creations Your Insurance Office (see all 12 examples)See more occupations related to this technology.
  • Data base user interface and query software — Insurance Technology Consultants WOWSee more occupations related to this technology.
  • Document management software — Allstar Software Systems KofaxSee more occupations related to this technology.
  • Electronic mail software — Microsoft Outlook Hot technologySee more occupations related to this technology.
  • Enterprise resource planning ERP software Hot technology — Advantage Information Systems The Agency Advantage; AMS Services AMS Sagitta; Microsoft Dynamics Hot technology ; Vulcan Solutions Vulcan Insurance (see all 28 examples)See more occupations related to this technology.
  • Financial analysis software — Cygnus Software IncomeMax; Insurance analysis software; Insurance rating software; Underwriting softwareSee more occupations related to this technology.
  • Instant messaging software — GroupMeSee more occupations related to this technology.
  • Internet browser software — Web browser softwareSee more occupations related to this technology.
  • Medical software — Healthcare common procedure coding system HCPCS Hot technology ; Medical procedure coding softwareSee more occupations related to this technology.
  • Office suite software — Microsoft Office Hot technologySee more occupations related to this technology.
  • Operating system software — Microsoft Windows Hot technologySee more occupations related to this technology.
  • Presentation software — Microsoft PowerPoint Hot technologySee more occupations related to this technology.
  • Spreadsheet software — Microsoft Excel Hot technologySee more occupations related to this technology.
  • Video conferencing software — LogMeIn GoToMeeting; ZoomSee more occupations related to this technology.
  • Video creation and editing software — Adobe Systems Adobe After Effects Hot technology ; Apple Final Cut Pro; YouTube Hot technologySee more occupations related to this technology.
  • Web page creation and editing software — Facebook Hot technology ; LinkedIn Hot technologySee more occupations related to this technology.
  • Word processing software — Microsoft Word Hot technologySee more occupations related to this technology.

Hot technology Hot Technology — a technology requirement frequently included in employer job postings.

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Knowledge

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  • 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.See more occupations related to this knowledge.
  • 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.See more occupations related to this knowledge.
  • English Language — Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.See more occupations related to this knowledge.
  • Mathematics — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.See more occupations related to this knowledge.
  • Law and Government — Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.See more occupations related to this knowledge.
  • Transportation — Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.See more occupations related to this knowledge.
  • Administration and Management — Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.See more occupations related to this knowledge.
  • Communications and Media — Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.See more occupations related to this knowledge.
  • Education and Training — Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.See more occupations related to this knowledge.

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Skills

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  • Reading Comprehension — Understanding written sentences and paragraphs in work-related documents.See more occupations related to this skill.
  • 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.See more occupations related to this skill.
  • Speaking — Talking to others to convey information effectively.See more occupations related to this skill.
  • Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.See more occupations related to this skill.
  • Persuasion — Persuading others to change their minds or behavior.See more occupations related to this skill.
  • Writing — Communicating effectively in writing as appropriate for the needs of the audience.See more occupations related to this skill.
  • Time Management — Managing one’s own time and the time of others.See more occupations related to this skill.
  • Service Orientation — Actively looking for ways to help people.See more occupations related to this skill.
  • Negotiation — Bringing others together and trying to reconcile differences.See more occupations related to this skill.
  • Social Perceptiveness — Being aware of others’ reactions and understanding why they react as they do.See more occupations related to this skill.
  • Active Learning — Understanding the implications of new information for both current and future problem-solving and decision-making.See more occupations related to this skill.
  • Coordination — Adjusting actions in relation to others’ actions.See more occupations related to this skill.
  • Judgment and Decision Making — Considering the relative costs and benefits of potential actions to choose the most appropriate one.See more occupations related to this skill.
  • Mathematics — Using mathematics to solve problems.See more occupations related to this skill.

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Abilities

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  • Oral Comprehension — The ability to listen to and understand information and ideas presented through spoken words and sentences.See more occupations related to this ability.
  • Oral Expression — The ability to communicate information and ideas in speaking so others will understand.See more occupations related to this ability.
  • Written Comprehension — The ability to read and understand information and ideas presented in writing.See more occupations related to this ability.
  • Speech Clarity — The ability to speak clearly so others can understand you.See more occupations related to this ability.
  • Speech Recognition — The ability to identify and understand the speech of another person.See more occupations related to this ability.
  • Written Expression — The ability to communicate information and ideas in writing so others will understand.See more occupations related to this ability.
  • Near Vision — The ability to see details at close range (within a few feet of the observer).See more occupations related to this ability.
  • Deductive Reasoning — The ability to apply general rules to specific problems to produce answers that make sense.See more occupations related to this ability.
  • Problem Sensitivity — The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing that there is a problem.See more occupations related to this ability.
  • Category Flexibility — The ability to generate or use different sets of rules for combining or grouping things in different ways.See more occupations related to this ability.
  • Inductive Reasoning — The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).See more occupations related to this ability.
  • Information Ordering — The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).See more occupations related to this ability.
  • Mathematical Reasoning — The ability to choose the right mathematical methods or formulas to solve a problem.See more occupations related to this ability.
  • Number Facility — The ability to add, subtract, multiply, or divide quickly and correctly.See more occupations related to this ability.

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Work Activities

Show fewer All 23 displayed
  • Establishing and Maintaining Interpersonal Relationships — Developing constructive and cooperative working relationships with others, and maintaining them over time.See more occupations related to this activity.
  • Getting Information — Observing, receiving, and otherwise obtaining information from all relevant sources.See more occupations related to this activity.
  • Selling or Influencing Others — Convincing others to buy merchandise/goods or to otherwise change their minds or actions.See more occupations related to this activity.
  • Working with Computers — Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.See more occupations related to this activity.
  • Organizing, Planning, and Prioritizing Work — Developing specific goals and plans to prioritize, organize, and accomplish your work.See more occupations related to this activity.
  • Evaluating Information to Determine Compliance with Standards — Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.See more occupations related to this activity.
  • Making Decisions and Solving Problems — Analyzing information and evaluating results to choose the best solution and solve problems.See more occupations related to this activity.
  • Performing for or Working Directly with the Public — Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests.See more occupations related to this activity.
  • Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.See more occupations related to this activity.
  • Developing Objectives and Strategies — Establishing long-range objectives and specifying the strategies and actions to achieve them.See more occupations related to this activity.
  • Performing Administrative Activities — Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.See more occupations related to this activity.
  • Updating and Using Relevant Knowledge — Keeping up-to-date technically and applying new knowledge to your job.See more occupations related to this activity.
  • Analyzing Data or Information — Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.See more occupations related to this activity.
  • Communicating with Supervisors, Peers, or Subordinates — Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.See more occupations related to this activity.
  • Communicating with People Outside the Organization — Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.See more occupations related to this activity.
  • Scheduling Work and Activities — Scheduling events, programs, and activities, as well as the work of others.See more occupations related to this activity.
  • Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.See more occupations related to this activity.
  • Identifying Objects, Actions, and Events — Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.See more occupations related to this activity.
  • Judging the Qualities of Objects, Services, or People — Assessing the value, importance, or quality of things or people.See more occupations related to this activity.
  • Thinking Creatively — Developing, designing, or creating new applications, ideas, relationships, systems, or products, including artistic contributions.See more occupations related to this activity.
  • Interpreting the Meaning of Information for Others — Translating or explaining what information means and how it can be used.See more occupations related to this activity.
  • Monitoring Processes, Materials, or Surroundings — Monitoring and reviewing information from materials, events, or the environment, to detect or assess problems.See more occupations related to this activity.
  • Resolving Conflicts and Negotiating with Others — Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.See more occupations related to this activity.

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Detailed Work Activities

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  • Customize financial products or services to meet customer needs.See more occupations related to this activity.
  • Sell products or services.See more occupations related to this activity.
  • Explain financial information to customers.See more occupations related to this activity.
  • Maintain records of sales or other business transactions.See more occupations related to this activity.
  • Take product orders from customers.See more occupations related to this activity.
  • Develop professional relationships or networks.See more occupations related to this activity.
  • Identify potential customers.See more occupations related to this activity.
  • Gather customer or product information to determine customer needs.See more occupations related to this activity.
  • Prepare sales or other contracts.See more occupations related to this activity.
  • Examine documents to verify adherence to requirements.See more occupations related to this activity.
  • Develop marketing plans or strategies.See more occupations related to this activity.
  • Review accuracy of sales or other transactions.See more occupations related to this activity.
  • Calculate costs of goods or services.See more occupations related to this activity.
  • Process sales or other transactions.See more occupations related to this activity.
  • Manage information technology projects or system activities.See more occupations related to this activity.
  • Examine condition of property or products.See more occupations related to this activity.
  • Attend events to develop professional knowledge.See more occupations related to this activity.
  • Study product information to acquire professional knowledge.See more occupations related to this activity.
  • Install computer software.See more occupations related to this activity.
  • Resolve computer software problems.See more occupations related to this activity.

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Work Context

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  • Electronic Mail — 100% responded “Every day.”See more occupations related to this work context.
  • Telephone — 100% responded “Every day.”See more occupations related to this work context.
  • Deal With External Customers — 99% responded “Extremely important.”See more occupations related to this work context.
  • Face-to-Face Discussions — 93% responded “Every day.”See more occupations related to this work context.
  • Frequency of Decision Making — 84% responded “Every day.”See more occupations related to this work context.
  • Contact With Others — 73% responded “Constant contact with others.”See more occupations related to this work context.
  • Importance of Being Exact or Accurate — 72% responded “Extremely important.”See more occupations related to this work context.
  • Duration of Typical Work Week — 82% responded “More than 40 hours.”See more occupations related to this work context.
  • Spend Time Sitting — 67% responded “Continually or almost continually.”See more occupations related to this work context.
  • Time Pressure — 52% responded “Every day.”See more occupations related to this work context.
  • Impact of Decisions on Co-workers or Company Results — 58% responded “Very important results.”See more occupations related to this work context.
  • Structured versus Unstructured Work — 56% responded “A lot of freedom.”See more occupations related to this work context.
  • Indoors, Environmentally Controlled — 38% responded “Once a week or more but not every day.”See more occupations related to this work context.
  • Freedom to Make Decisions — 33% responded “Some freedom.”See more occupations related to this work context.
  • Letters and Memos — 40% responded “Once a week or more but not every day.”See more occupations related to this work context.
  • Level of Competition — 34% responded “Highly competitive.”See more occupations related to this work context.
  • Importance of Repeating Same Tasks — 34% responded “Extremely important.”See more occupations related to this work context.
  • Work With Work Group or Team — 33% responded “Extremely important.”See more occupations related to this work context.
  • In an Enclosed Vehicle or Equipment — 45% responded “Every day.”See more occupations related to this work context.
  • Frequency of Conflict Situations — 33% responded “Every day.”See more occupations related to this work context.
  • Physical Proximity — 64% responded “Moderately close (at arm’s length).”See more occupations related to this work context.
  • Coordinate or Lead Others — 52% responded “Very important.”See more occupations related to this work context.
  • Deal With Unpleasant or Angry People — 33% responded “Once a month or more but not every week.”See more occupations related to this work context.
  • Consequence of Error — 32% responded “Serious.”See more occupations related to this work context.

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Job Zone

Title Job Zone Four: Considerable Preparation Needed
Education Most of these occupations require a four-year bachelor’s degree, but some do not.
Related Experience A considerable amount of work-related skill, knowledge, or experience is needed for these occupations. For example, an accountant must complete four years of college and work for several years in accounting to be considered qualified.
Job Training Employees in these occupations usually need several years of work-related experience, on-the-job training, and/or vocational training.
Job Zone Examples Many of these occupations involve coordinating, supervising, managing, or training others. Examples include real estate brokers, sales managers, database administrators, graphic designers, chemists, art directors, and cost estimators.
SVP Range (7.0 to < 8.0)

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Education


Percentage of Respondents
Education Level Required
Not available Bachelor’s degree
Not available Associate’s degree
Not available High school diploma or equivalent

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Credentials

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Interests

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Interest code: ECS   Want to discover your interests? Take the O*NET Interest Profiler at My Next Move.

  • Enterprising — Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business.See more occupations related to this interest.
  • Conventional — Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow.See more occupations related to this interest.
  • Social — Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others.See more occupations related to this interest.

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Work Styles

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  • Integrity — Job requires being honest and ethical.See more occupations related to this work style.
  • Independence — Job requires developing one’s own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done.See more occupations related to this work style.
  • Attention to Detail — Job requires being careful about detail and thorough in completing work tasks.See more occupations related to this work style.
  • Achievement/Effort — Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks.See more occupations related to this work style.
  • Dependability — Job requires being reliable, responsible, and dependable, and fulfilling obligations.See more occupations related to this work style.
  • Initiative — Job requires a willingness to take on responsibilities and challenges.See more occupations related to this work style.
  • Self-Control — Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations.See more occupations related to this work style.
  • Adaptability/Flexibility — Job requires being open to change (positive or negative) and to considerable variety in the workplace.See more occupations related to this work style.
  • Persistence — Job requires persistence in the face of obstacles.See more occupations related to this work style.
  • Stress Tolerance — Job requires accepting criticism and dealing calmly and effectively with high-stress situations.See more occupations related to this work style.
  • Analytical Thinking — Job requires analyzing information and using logic to address work-related issues and problems.See more occupations related to this work style.
  • Cooperation — Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude.See more occupations related to this work style.
  • Concern for Others — Job requires being sensitive to others’ needs and feelings and being understanding and helpful on the job.See more occupations related to this work style.
  • Social Orientation — Job requires preferring to work with others rather than alone, and being personally connected with others on the job.See more occupations related to this work style.
  • Leadership — Job requires a willingness to lead, take charge, and offer opinions and direction.See more occupations related to this work style.
  • Innovation — Job requires creativity and alternative thinking to develop new ideas for and answers to work-related problems.See more occupations related to this work style.

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Work Values

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  • Independence — Occupations that satisfy this work value allow employees to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy.See more occupations related to this work value.
  • Relationships — Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service.See more occupations related to this work value.
  • Achievement — Occupations that satisfy this work value are results oriented and allow employees to use their strongest abilities, giving them a feeling of accomplishment. Corresponding needs are Ability Utilization and Achievement.See more occupations related to this work value.

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Related Occupations

Show fewer All 9 displayed
13-1011.00 Agents and Business Managers of Artists, Performers, and Athletes   Bright Outlook Bright Outlook
13-1071.00 Human Resources Specialists Bright Outlook
13-2041.00 Credit Analysts
13-2052.00 Personal Financial Advisors
13-2072.00 Loan Officers
27-3031.00 Public Relations Specialists Bright Outlook
27-3043.00 Writers and Authors
41-3031.00 Securities, Commodities, and Financial Services Sales Agents
41-4011.00 Sales Representatives, Wholesale and Manufacturing, Technical and Scientific Products

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Wages & Employment Trends

Median wages (2020) $25.08 hourly, $52,180 annual
State wages
 
Local wages
  
Employment (2020) 507,200 employees
Projected growth (2020-2030) Average (5% to 10%) Average (5% to 10%)
Projected job openings (2020-2030) 50,400
State trends
 
Top industries (2020)
Finance and Insurance

Source: Bureau of Labor Statistics 2020 wage data external site and 2020-2030 employment projections external site. “Projected growth” represents the estimated change in total employment over the projections period (2020-2030). “Projected job openings” represent openings due to growth and replacement.

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Job Openings on the Web

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Sources of Additional Information

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Disclaimer: Sources are listed to provide additional information on related jobs, specialties, and/or industries. Links to non-DOL Internet sites are provided for your convenience and do not constitute an endorsement.

  • America’s Health Insurance Plans external site
  • American Council of Life Insurers external site
  • American Insurance Association external site
  • Financial Industry Regulatory Authority external site
  • Group Underwriters Association of America external site
  • Independent Insurance Agents and Brokers of America external site
  • Insurance Information Institute external site
  • International Association of Insurance Professionals external site
  • Million Dollar Round Table external site
  • National Association of Health Underwriters external site
  • National Association of Insurance and Financial Advisors external site
  • National Association of Professional Insurance Agents external site
  • Occupational Outlook Handbook: Insurance sales agents external site
  • Property Casualty Insurers Association of America external site
  • Society of Chartered Property and Casualty Underwriters external site
  • The Institutes external site

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