Many said that being insurance agent means large paycheck. Well, it's not entirely true but hard-working insurance agent can earn more than $100,000 in their first year of sales. However, become an insurance agent does not mean 100% of success. Being rejected, ignored and obscenities are something they're familiar with. Among many kinds of insurance, from auto insurance to health insurance), selling life insurance provide the best bonus for agent. Life insurance company typically gives 30-90% of the premium from the client to agent in first year. And later agent will receive 3-10% renewals or trailing commissions from each year's premium.

There are two different types of agents: captive and non-captive. Captive means an agent only sell insurance from one company, while non-captive mean they selling insurance from multiple insurance companies. Both of them have same objective which is persuading people to sign a new insurance contract. Both also have same duty like formulate marketing types, identify potential people, providing quotes and so on. 

If you are interested in become an insurance agent, here are the things you have to take a note:

1. Insurance Agent Qualifications

Insurance agent must possess fighting and indomitable spirit. People who love the thrill of the hunt and hard working are suitable for this career.  Beside mental capability, they need education and experience. Majority of insurance companies do not require formal education for an agent since almost all insurance companies provide internal training program for their salesperson about their products and company. State licensing also become one of insurance agent requirement. Insurance agents need to be licensed by single state or states in which they'll be selling insurance. Generally, they need to pass state-administered licensing exam and taking licensing class.

2. Getting Hired

First thing you need to do if you want insurance agent career is highlight your entrepreneurial spirit in your resume. Include anything that shows your initiative to make things happen. You need to polished your resume, it will help you to get attention from the company. Next, find a good reputation and well-known company. It is important to get high rating insurance agencies that will be huge support for your career. 

3. Keep Trying

Looking up each one of your listed companies in search engine. Most companies usually post their job listings by geographical area. When you find your desired company, apply for the position on their company's site. After that, you need to do follow up calls on weekly basis until you hear answer from them. Many insurance company take follow up call as a hint that the applicant has tenacity, they won't interview applicant who doesn't make first follow up call. During interview, you need to accentuate your determination and persistence personality as well as your entrepreneurial.

If you land the job, don't expect you will get client or someone who will purchase your product at the first try. You will busy handing out a lot of business card and making phone calls. Your manager will asking how many phone calls you make repeatedly. Don't be surprised if you struggle financially for first few months until your first sales because many insurance companies apply "commission-only" term in salary.

4. Tips

Be careful if you want to persuade your family and friends to buy your products. Sure it sounds like a great idea for starting but sometimes it could distant your relationship and make everything awkward. You need to visit your state insurance commissioner's website to check complaint history before you apply for a company. Don't get stuck on company that sell insurance using multilevel marketing and high complaints.

Good Luck!