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SUMMARY: We are currently seeking an experienced Insurance Agent who will provide service to clients' changing insurance needs by selling property, casualty, automotive, and all other personal lines of insurance for HCI’s independent insurance agency, Omega.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned to meet the business needs.
· Seeks out new clients and develops clientele by networking to find new customers and generate lists of prospective clients.
· Handles referrals from management team with expediency and exceptional customer service, keeping both the referring manager and the Agency Principal updated
· Develops base for long-term sources of clients by using referrals, occupational, and special-interest groups to compile lists of prospects.
· Approaches potential clients by utilizing direct mailings, email campaigns, and phone solicitation; making presentations to groups at company-sponsored gatherings; speaking publicly to community groups on the subject of financial well-being.
· Determines clients' particular needs and financial situations by scheduling fact-finding appointments; determining extent of present coverage and investments; ascertaining long-term goals.
· Customizes insurance programs to suit individual customer, covering the full spectrum of personal risks.
· Develops a coordinated protection plan by calculating and quoting rates for immediate coverage action and long-term strategy implementation.
· Obtains underwriting approval by completing application for coverage.
· Completes coverage by delivering policy; planning future follow-up visits and evaluations of needs.
· Confers with clients to obtain and provide information when claims are made against a policy.
· Learns and accurately utilizes agency management system.
· Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations; and staying current with Continuing Education (CE) requirements.
· Enhances insurance agency reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.
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QUALIFICATIONS/REQUIREMENTS:
· Clear, concise oral and written communication skills
· Excellent customer service skills with an emphasis on building client relationships
· Dependable and willing to go the extra mile
· Must be detail-oriented
· Professional and courteous at all times
· Excellent problem-solving skills
· Hard-working and highly motivated to close sales
· Local travel, up to 25%, mostly by vehicle.
EDUCATION/EXPERIENCE:
· Bachelor’s degree in Insurance, Risk Management, Business Administration or closely-related field preferred
· Licenses: 2-20 or 20-44
· 3+ years’ experience in direct selling of personal lines insurance
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