Insurance Agent Interview Questions

"One of my favourite marketing strategies is to advertise through my website and blog. I write a new post about insurance or something similar every week. I optimise that post using SEO techniques and it garners organic traffic to my website with my contact information. When I'm not writing blog posts, I enjoy cold emailing potential clients. Emails are less disruptive than calls, so it's more likely that clients will answer when they're ready."

"I would start by talking to the client about their current insurance plans and ask them what they think of them. If they were unhappy about a specific plan or policy, I would offer an alternative. I would show them our plan and explain how we can tailor it to their needs to show them the benefits of switching to our insurance plan."

"I have had a lot of reluctant clients in the past as they weren't sure if they wanted to switch policies or commit to a new insurance plan. I ensure I go over all the details of our plans so customers have the necessary information and I tell them they don't need to decide on the spot. I don't want anyone to feel pressured, so I ask for their phone number and let them know I'll call them in a week to follow up. I have gotten multiple clients this way."

"I have had one disagreement with a client that wanted to make a claim on his health insurance that his plan didn't cover. When he called, I explained that his policy didn't cover his claim, and he became angry. I offered to email him a copy of his policy with the portion we were discussing highlighted and he agreed. He later called back to apologise and ask to upgrade his plan."

"I would start by ensuring I am familiar with all the company's plans and policies, including the fine details. This ensures I can thoroughly explain any aspects of a customer's policy. I wouldn't use any technical terms when explaining the policy and would ensure to go over every point. I would make myself available to answer any questions the customer has by giving them my email or phone extension."

"I think I am very personable and have strong communication skills. This helps me approach anyone and start a conversation with them to determine their insurance needs. I am also very confident, which helps me present to large groups and deal with rejection well. My organisation skills help me as an insurance agent as well as I can keep track of all my clients and keep up constant communication with them."

"I would like to stay with one company long-term, but my hope is to pursue a higher-level position in a few years. I enjoy sales and marketing, so I would like to become an account executive eventually. I think my experience as an insurance agent will help prepare me for that role."

"I build trust with my clients by getting to know them first. I don't want them to think I'm just trying to make an easy sale, I genuinely care about their needs. I also ensure to follow up with my clients as much as possible and keep an open line of communication. This helps build a trusting professional relationship."

"Yes, in my previous role as an insurance agent, I used a variety of CRM software. I used Surefrye, Vvertafore, and AgentCubed to help keep track of my clients and their policies. I'm happy to learn how to use any other software you prefer as well."

"I think cold calling is an effective sales tactic when used in conjunction with other techniques. I don't think cold calling is effective on its own as it's time-consuming and often only leads to a handful of sales, but paired with cold emailing or door-to-door sales, it can help generate more business."

"In my previous role, we had monthly and yearly sales targets to meet. These targets were constantly changing based on how well we were doing, but I always met the goals. I was one of the only agents able to meet every sales goal over my two years with the company."

"Sure. Let me tell you why you need this stapler..."

"I am a strong negotiator, so I would keep bargaining with the client until we agree on a deal that's profitable to both of us. If they insist on a negotiation that is unprofitable for the company, I would thank them for their time and explain that I couldn't follow through with the sale."

"My most successful sale was setting up a home insurance plan for a family of ten. This first sale allowed me to build a relationship with the family, so they came to me for all of their insurance needs over the next few years. I was able to sell them home insurance, life insurance, health insurance, car insurance, and even travel insurance. To be a good insurance agent, you need to think of your long-term goals. The original home insurance sale wasn't that big, but it was my most successful as it led to plenty more opportunities."

"A deductible is the amount of money a person must contribute before the insurance plan starts to pay. For example, let's say your car insurance deductible is $1,000, and you get into an accident that costs $10,000. You would have to pay the $1,000 and the insurance policy should cover the rest. Clients are usually able to choose the amount of their deductible. The higher the deductible, the lower monthly payments will be and vice versa."