If you’re thinking about getting coverage, whether for your car, home or business, one of the first things you need to do is talk to an insurance agent. Wondering what insurance agents do, exactly? Here’s a run-through of their roles and responsibilities:
Build a Clientele
Also known as lead generation, insurance agents must always be on the lookout for prospective clients. In order to successfully sell insurance and financial products, they have to use a number of ways in order to find and get in touch with potential customers. They also remind existing clients to renew their policies while offering additional ones that might suit the needs of their client.
Screen and Interview
Agents then interview potential clients to determine possible risks. If there’s none, agents then fall back on their training and skills to match their client with the right policy and features, depending on the financial situation and needs of their clientele. When a client finally says yes, that’s when a sale happens.
Document Everything
Once a sale is made, agents must document every detail regarding the risk in the policy. It’s also a part of their job to make sure that their clients understand what’s included in the coverage and what isn’t. They keep records of all their customers’ policies, too.
Claims
When a loss happens, agents are the first person to know since they’re the ones the family will get in touch with. They guide clients through every stage of the claim process, making sure clients have everything they need to receive the claim.
Service
While many insurance providers employ call centers, customers often go to their agents first for questions and clarifications. That’s why agents are routinely regarded as the first point of service contact, says Chron. Whether it’s to clarify a policy, cancel one, or add another, customers will always reach out to their agents first.
