[Core] [67% incumbents] Customize insurance programs to suit individual customers, often covering a variety of risks.
  DWAs: Customize financial products or services to meet customer needs.

[Core] [67% incumbents] 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.
  DWAs: Sell products or services.

[Core] [67% incumbents] Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
  DWAs: Explain financial information to customers.

[Core] [67% incumbents] Perform administrative tasks, such as maintaining records and handling policy renewals.
  DWAs: Maintain records of sales or other business transactions. | Take product orders from customers.

[Core] [67% incumbents] Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
  DWAs: Identify potential customers. | Develop professional relationships or networks.

[Core] [67% incumbents] Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
  DWAs: Explain financial information to customers. | Customize financial products or services to meet customer needs.

[Core] [67% incumbents] Confer with clients to obtain and provide information when claims are made on a policy.
  DWAs: Gather customer or product information to determine customer needs. | Explain financial information to customers.

[Core] [67% incumbents] 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.
  DWAs: Gather customer or product information to determine customer needs.

[Core] [67% incumbents] Contact underwriter and submit forms to obtain binder coverage.
  DWAs: Prepare sales or other contracts.

[Core] [67% incumbents] Select company that offers type of coverage requested by client to underwrite policy.
  DWAs: Customize financial products or services to meet customer needs.

[Core] [67% incumbents] Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
  DWAs: Examine documents to verify adherence to requirements.

[Core] [67% incumbents] Develop marketing strategies to compete with other individuals or companies who sell insurance.
  DWAs: Develop marketing plans or strategies.

[Core] [67% incumbents] Calculate premiums and establish payment method.
  DWAs: Calculate costs of goods or services. | Process sales or other transactions.

[Core] [67% incumbents] Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
  DWAs: Attend events to develop professional knowledge. | Study product information to acquire professional knowledge.

[Supplemental] [67% incumbents] Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
  DWAs: Review accuracy of sales or other transactions.

[Supplemental] [67% incumbents] Plan and oversee incorporation of insurance program into bookkeeping system of company.
  DWAs: Manage information technology projects or system activities.

[Supplemental] [66% incumbents] Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
  DWAs: Examine condition of property or products.

[Supplemental] [66% incumbents] Install bookkeeping systems and resolve system problems.
  DWAs: Install computer software. | Resolve computer software problems.

[Supplemental] [65% incumbents] Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
  DWAs: Explain financial information to customers.

--- SKILLS ---
  Reading Comprehension (imp:4.00 lvl:4.00) — Understanding written sentences and paragraphs in work-related documents.
  Active Listening (imp:3.88 lvl:4.00) — Giving full attention to what other people are saying, taking time to understand
  Speaking (imp:3.88 lvl:4.00) — Talking to others to convey information effectively.
  Critical Thinking (imp:3.75 lvl:3.88) — Using logic and reasoning to identify the strengths and weaknesses of alternativ
  Writing (imp:3.62 lvl:3.62) — Communicating effectively in writing as appropriate for the needs of the audienc
  Mathematics (imp:3.00 lvl:3.00) — Using mathematics to solve problems.
  Active Learning (imp:3.00 lvl:3.38) — Understanding the implications of new information for both current and future pr
  Monitoring (imp:2.88 lvl:3.00) — Monitoring/Assessing performance of yourself, other individuals, or organization
  Learning Strategies (imp:2.75 lvl:2.75) — Selecting and using training/instructional methods and procedures appropriate fo
  Science (imp:1.12 lvl:0.12) — Using scientific rules and methods to solve problems.

--- KNOWLEDGE ---
  Customer and Personal Service (imp:4.69 lvl:4.88) — Knowledge of principles and processes for providing customer and personal servic
  Sales and Marketing (imp:4.62 lvl:4.75) — Knowledge of principles and methods for showing, promoting, and selling products
  English Language (imp:4.10 lvl:3.74) — Knowledge of the structure and content of the English language including the mea
  Mathematics (imp:3.58 lvl:3.59) — Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their appl
  Law and Government (imp:3.54 lvl:2.98) — Knowledge of laws, legal codes, court procedures, precedents, government regulat
  Transportation (imp:3.46 lvl:2.39) — Knowledge of principles and methods for moving people or goods by air, rail, sea
  Administration and Management (imp:3.39 lvl:3.29) — Knowledge of business and management principles involved in strategic planning, 
  Education and Training (imp:3.09 lvl:4.03) — Knowledge of principles and methods for curriculum and training design, teaching
  Communications and Media (imp:3.07 lvl:2.17) — Knowledge of media production, communication, and dissemination techniques and m
  Computers and Electronics (imp:2.90 lvl:3.26) — Knowledge of circuit boards, processors, chips, electronic equipment, and comput
  Personnel and Human Resources (imp:2.83 lvl:2.35) — Knowledge of principles and procedures for personnel recruitment, selection, tra
  Economics and Accounting (imp:2.69 lvl:3.06) — Knowledge of economic and accounting principles and practices, the financial mar
  Administrative (imp:2.56 lvl:3.09) — Knowledge of administrative and office procedures and systems such as word proce
  Public Safety and Security (imp:2.47 lvl:1.62) — Knowledge of relevant equipment, policies, procedures, and strategies to promote
  Telecommunications (imp:2.45 lvl:1.41) — Knowledge of transmission, broadcasting, switching, control, and operation of te
  Psychology (imp:2.39 lvl:2.30) — Knowledge of human behavior and performance; individual differences in ability, 
  Production and Processing (imp:2.27 lvl:2.26) — Knowledge of raw materials, production processes, quality control, costs, and ot
  Geography (imp:1.81 lvl:1.74) — Knowledge of principles and methods for describing the features of land, sea, an
  History and Archeology (imp:1.62) — Knowledge of historical events and their causes, indicators, and effects on civi
  Sociology and Anthropology (imp:1.58 lvl:0.96) — Knowledge of group behavior and dynamics, societal trends and influences, human 
  Therapy and Counseling (imp:1.57 lvl:1.09) — Knowledge of principles, methods, and procedures for diagnosis, treatment, and r
  Medicine and Dentistry (imp:1.56 lvl:0.88) — Knowledge of the information and techniques needed to diagnose and treat human i
  Philosophy and Theology (imp:1.21) — Knowledge of different philosophical systems and religions. This includes their 
  Building and Construction (imp:1.18) — Knowledge of materials, methods, and the tools involved in the construction or r
  Chemistry (imp:1.15) — Knowledge of the chemical composition, structure, and properties of substances a
  Food Production (imp:1.09) — Knowledge of techniques and equipment for planting, growing, and harvesting food
  Engineering and Technology (imp:1.07) — Knowledge of the practical application of engineering science and technology. Th
  Foreign Language (imp:1.05) — Knowledge of the structure and content of a foreign (non-English) language inclu
  Design (imp:1.04) — Knowledge of design techniques, tools, and principles involved in production of 
  Mechanical (imp:1.03) — Knowledge of machines and tools, including their designs, uses, repair, and main
  Fine Arts (imp:1.03) — Knowledge of the theory and techniques required to compose, produce, and perform
  Physics (imp:1.01) — Knowledge and prediction of physical principles, laws, their interrelationships,
  Biology (imp:1.01) — Knowledge of plant and animal organisms, their tissues, cells, functions, interd

--- ABILITIES ---
  Oral Comprehension (imp:4.00 lvl:4.12) — The ability to listen to and understand information and ideas presented through 
  Written Comprehension (imp:4.00 lvl:4.00) — The ability to read and understand information and ideas presented in writing.
  Oral Expression (imp:4.00 lvl:4.12) — The ability to communicate information and ideas in speaking so others will unde
  Speech Clarity (imp:3.75 lvl:3.75) — The ability to speak clearly so others can understand you.
  Written Expression (imp:3.62 lvl:3.75) — The ability to communicate information and ideas in writing so others will under
  Speech Recognition (imp:3.62 lvl:3.75) — The ability to identify and understand the speech of another person.
  Near Vision (imp:3.50 lvl:3.62) — The ability to see details at close range (within a few feet of the observer).
  Problem Sensitivity (imp:3.25 lvl:3.50) — The ability to tell when something is wrong or is likely to go wrong. It does no
  Deductive Reasoning (imp:3.25 lvl:3.62) — The ability to apply general rules to specific problems to produce answers that 
  Inductive Reasoning (imp:3.12 lvl:3.25) — The ability to combine pieces of information to form general rules or conclusion
  Information Ordering (imp:3.12 lvl:3.00) — The ability to arrange things or actions in a certain order or pattern according
  Category Flexibility (imp:3.12 lvl:3.25) — The ability to generate or use different sets of rules for combining or grouping
  Mathematical Reasoning (imp:3.12 lvl:3.00) — The ability to choose the right mathematical methods or formulas to solve a prob
  Number Facility (imp:3.00 lvl:3.00) — The ability to add, subtract, multiply, or divide quickly and correctly.
  Fluency of Ideas (imp:2.88 lvl:3.00) — The ability to come up with a number of ideas about a topic (the number of ideas
  Flexibility of Closure (imp:2.88 lvl:2.75) — The ability to identify or detect a known pattern (a figure, object, word, or so
  Originality (imp:2.75 lvl:3.00) — The ability to come up with unusual or clever ideas about a given topic or situa
  Selective Attention (imp:2.75 lvl:2.50) — The ability to concentrate on a task over a period of time without being distrac
  Perceptual Speed (imp:2.62 lvl:2.25) — The ability to quickly and accurately compare similarities and differences among
  Time Sharing (imp:2.62 lvl:2.38) — The ability to shift back and forth between two or more activities or sources of
  Speed of Closure (imp:2.50 lvl:2.12) — The ability to quickly make sense of, combine, and organize information into mea
  Far Vision (imp:2.38 lvl:2.38) — The ability to see details at a distance.
  Memorization (imp:2.25 lvl:2.50) — The ability to remember information such as words, numbers, pictures, and proced
  Visualization (imp:2.00 lvl:1.75) — The ability to imagine how something will look after it is moved around or when 
  Auditory Attention (imp:1.88 lvl:1.38) — The ability to focus on a single source of sound in the presence of other distra
  Finger Dexterity (imp:1.75 lvl:1.12) — The ability to make precisely coordinated movements of the fingers of one or bot
  Trunk Strength (imp:1.75 lvl:1.25) — The ability to use your abdominal and lower back muscles to support part of the 
  Visual Color Discrimination (imp:1.75 lvl:1.38) — The ability to match or detect differences between colors, including shades of c
  Hearing Sensitivity (imp:1.75 lvl:0.75) — The ability to detect or tell the differences between sounds that vary in pitch 
  Control Precision (imp:1.50 lvl:0.50) — The ability to quickly and repeatedly adjust the controls of a machine or a vehi
  Wrist-Finger Speed (imp:1.50 lvl:0.50) — The ability to make fast, simple, repeated movements of the fingers, hands, and 
  Multilimb Coordination (imp:1.38 lvl:0.38) — The ability to coordinate two or more limbs (for example, two arms, two legs, or
  Depth Perception (imp:1.38 lvl:0.38) — The ability to judge which of several objects is closer or farther away from you
  Spatial Orientation (imp:1.00) — The ability to know your location in relation to the environment or to know wher
  Arm-Hand Steadiness (imp:1.00) — The ability to keep your hand and arm steady while moving your arm or while hold
  Manual Dexterity (imp:1.00) — The ability to quickly move your hand, your hand together with your arm, or your
  Response Orientation (imp:1.00) — The ability to choose quickly between two or more movements in response to two o
  Rate Control (imp:1.00) — The ability to time your movements or the movement of a piece of equipment in an
  Reaction Time (imp:1.00) — The ability to quickly respond (with the hand, finger, or foot) to a signal (sou
  Speed of Limb Movement (imp:1.00) — The ability to quickly move the arms and legs.
  Static Strength (imp:1.00) — The ability to exert maximum muscle force to lift, push, pull, or carry objects.
  Explosive Strength (imp:1.00) — The ability to use short bursts of muscle force to propel oneself (as in jumping
  Dynamic Strength (imp:1.00) — The ability to exert muscle force repeatedly or continuously over time. This inv
  Stamina (imp:1.00) — The ability to exert yourself physically over long periods of time without getti
  Extent Flexibility (imp:1.00) — The ability to bend, stretch, twist, or reach with your body, arms, and/or legs.
  Dynamic Flexibility (imp:1.00) — The ability to quickly and repeatedly bend, stretch, twist, or reach out with yo
  Gross Body Coordination (imp:1.00) — The ability to coordinate the movement of your arms, legs, and torso together wh
  Gross Body Equilibrium (imp:1.00) — The ability to keep or regain your body balance or stay upright when in an unsta
  Night Vision (imp:1.00) — The ability to see under low-light conditions.
  Peripheral Vision (imp:1.00) — The ability to see objects or movement of objects to one's side when the eyes ar
  Glare Sensitivity (imp:1.00) — The ability to see objects in the presence of a glare or bright lighting.
  Sound Localization (imp:1.00) — The ability to tell the direction from which a sound originated.

--- WORK ACTIVITIES ---
  Establishing and Maintaining Interpersonal Relationships (imp:4.22 lvl:4.55) — Developing constructive and cooperative working relationships with others, and m
  Getting Information (imp:4.02 lvl:3.93) — Observing, receiving, and otherwise obtaining information from all relevant sour
  Selling or Influencing Others (imp:4.01 lvl:4.22) — Convincing others to buy merchandise/goods or to otherwise change their minds or
  Working with Computers (imp:3.88 lvl:3.73) — Using computers and computer systems (including hardware and software) to progra
  Organizing, Planning, and Prioritizing Work (imp:3.68 lvl:4.31) — Developing specific goals and plans to prioritize, organize, and accomplish your
  Evaluating Information to Determine Compliance with Standards (imp:3.47 lvl:3.74) — Using relevant information and individual judgment to determine whether events o
  Making Decisions and Solving Problems (imp:3.46 lvl:3.94) — Analyzing information and evaluating results to choose the best solution and sol
  Performing for or Working Directly with the Public (imp:3.41 lvl:3.96) — Performing for people or dealing directly with the public. This includes serving
  Processing Information (imp:3.36 lvl:3.63) — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying
  Developing Objectives and Strategies (imp:3.33 lvl:3.38) — Establishing long-range objectives and specifying the strategies and actions to 
  Performing Administrative Activities (imp:3.31 lvl:3.44) — Performing day-to-day administrative tasks such as maintaining information files
  Updating and Using Relevant Knowledge (imp:3.30 lvl:4.13) — Keeping up-to-date technically and applying new knowledge to your job.
  Communicating with Supervisors, Peers, or Subordinates (imp:3.29 lvl:3.62) — Providing information to supervisors, co-workers, and subordinates by telephone,
  Analyzing Data or Information (imp:3.26 lvl:3.76) — Identifying the underlying principles, reasons, or facts of information by break
  Communicating with People Outside the Organization (imp:3.25 lvl:3.10) — Communicating with people outside the organization, representing the organizatio
  Scheduling Work and Activities (imp:3.22 lvl:2.87) — Scheduling events, programs, and activities, as well as the work of others.
  Documenting/Recording Information (imp:3.14 lvl:2.91) — Entering, transcribing, recording, storing, or maintaining information in writte
  Judging the Qualities of Objects, Services, or People (imp:3.13 lvl:3.40) — Assessing the value, importance, or quality of things or people.
  Thinking Creatively (imp:3.13 lvl:4.09) — Developing, designing, or creating new applications, ideas, relationships, syste
  Identifying Objects, Actions, and Events (imp:3.11 lvl:3.58) — Identifying information by categorizing, estimating, recognizing differences or 
  Monitoring Processes, Materials, or Surroundings (imp:3.04 lvl:3.17) — Monitoring and reviewing information from materials, events, or the environment,
  Interpreting the Meaning of Information for Others (imp:3.02 lvl:2.51) — Translating or explaining what information means and how it can be used.
  Resolving Conflicts and Negotiating with Others (imp:3.02 lvl:3.41) — Handling complaints, settling disputes, and resolving grievances and conflicts, 
  Providing Consultation and Advice to Others (imp:2.62 lvl:2.48) — Providing guidance and expert advice to management or other groups on technical,
  Developing and Building Teams (imp:2.61 lvl:2.36) — Encouraging and building mutual trust, respect, and cooperation among team membe
  Estimating the Quantifiable Characteristics of Products, Events, or Information (imp:2.46 lvl:2.05) — Estimating sizes, distances, and quantities; or determining time, costs, resourc
  Coordinating the Work and Activities of Others (imp:2.34 lvl:2.15) — Getting members of a group to work together to accomplish tasks.
  Guiding, Directing, and Motivating Subordinates (imp:2.21 lvl:1.98) — Providing guidance and direction to subordinates, including setting performance 
  Training and Teaching Others (imp:2.16 lvl:2.21) — Identifying the educational needs of others, developing formal educational or tr
  Monitoring and Controlling Resources (imp:2.08 lvl:1.69) — Monitoring and controlling resources and overseeing the spending of money.
  Inspecting Equipment, Structures, or Materials (imp:2.07 lvl:1.70) — Inspecting equipment, structures, or materials to identify the cause of errors o
  Coaching and Developing Others (imp:2.06 lvl:2.12) — Identifying the developmental needs of others and coaching, mentoring, or otherw
  Assisting and Caring for Others (imp:2.05 lvl:2.03) — Providing personal assistance, medical attention, emotional support, or other pe
  Operating Vehicles, Mechanized Devices, or Equipment (imp:1.99 lvl:1.54) — Running, maneuvering, navigating, or driving vehicles or mechanized equipment, s
  Handling and Moving Objects (imp:1.67 lvl:1.32) — Using hands and arms in handling, installing, positioning, and moving materials,
  Performing General Physical Activities (imp:1.66 lvl:1.26) — Performing general physical activities includes doing activities that require co
  Staffing Organizational Units (imp:1.60 lvl:1.31) — Recruiting, interviewing, selecting, hiring, and promoting employees in an organ
  Controlling Machines and Processes (imp:1.46 lvl:0.68) — Using either control mechanisms or direct physical activity to operate machines 
  Repairing and Maintaining Electronic Equipment (imp:1.46 lvl:0.69) — Servicing, repairing, calibrating, regulating, fine-tuning, or testing machines,
  Drafting, Laying Out, and Specifying Technical Devices, Parts, and Equipment (imp:1.42) — Providing documentation, detailed instructions, drawings, or specifications to t
  Repairing and Maintaining Mechanical Equipment (imp:1.22) — Servicing, repairing, adjusting, and testing machines, devices, moving parts, an

--- WORK STYLES ---
  Dependability (imp:8.00) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Attention to Detail (imp:7.00) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Integrity (imp:6.00) — A tendency to be honest and ethical at work.
  Achievement Orientation (imp:5.00) — A tendency to establish and maintain personally challenging work-related goals, 
  Social Orientation (imp:4.00) — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Perseverance (imp:3.00) — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Social Orientation (imp:2.74) — A tendency to seek out, enjoy, and be energized by social interaction at work.
  Dependability (imp:2.56) — A tendency to be reliable, responsible, and consistent in meeting work-related o
  Perseverance (imp:2.42) — A tendency to exhibit determination and resolve to perform or complete tasks in 
  Achievement Orientation (imp:2.24) — A tendency to establish and maintain personally challenging work-related goals, 
  Integrity (imp:2.21) — A tendency to be honest and ethical at work.
  Self-Confidence (imp:2.20) — A tendency to believe in one's work-related capabilities and ability to control 
  Attention to Detail (imp:2.08) — A tendency to be detail-oriented, organized, and thorough in completing work.
  Initiative (imp:2.03) — A tendency to be proactive and take on extra responsibilities and tasks that may
  Self-Confidence (imp:2.00) — A tendency to believe in one's work-related capabilities and ability to control 
  Optimism (imp:1.98) — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Self-Control (imp:1.70) — A tendency to remain calm and composed and to manage emotions effectively in res
  Adaptability (imp:1.68) — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Cooperation (imp:1.63) — A tendency to be pleasant, helpful, and willing to assist others at work.
  Stress Tolerance (imp:1.58) — A tendency to cope and function effectively in stressful situations at work.
  Empathy (imp:1.54) — A tendency to show concern for others and be sensitive to others' needs and feel
  Tolerance for Ambiguity (imp:1.31) — A tendency to be comfortable with ambiguity and uncertainty at work.
  Sincerity (imp:1.31) — A tendency to be genuine and sincere in interactions with others at work, withou
  Leadership Orientation (imp:1.29) — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Cautiousness (imp:1.20) — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Innovation (imp:1.17) — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Initiative (imp:1.00) — A tendency to be proactive and take on extra responsibilities and tasks that may
  Intellectual Curiosity (imp:0.81) — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Innovation () — A tendency to be inventive, to be imaginative, and to adopt new perspectives on 
  Intellectual Curiosity () — A tendency to seek out and acquire new work-related knowledge and obtain a deep 
  Tolerance for Ambiguity () — A tendency to be comfortable with ambiguity and uncertainty at work.
  Adaptability () — A tendency to be open to and comfortable with change, new experiences, or ideas 
  Leadership Orientation () — A tendency to lead, take charge, offer opinions, and provide direction at work.
  Humility () — A tendency to be modest and humble when interacting with others at work.
  Sincerity () — A tendency to be genuine and sincere in interactions with others at work, withou
  Empathy () — A tendency to show concern for others and be sensitive to others' needs and feel
  Cooperation () — A tendency to be pleasant, helpful, and willing to assist others at work.
  Optimism () — A tendency to exhibit a positive attitude and positive emotions at work, even un
  Cautiousness () — A tendency to be careful, deliberate, and risk-avoidant when making work-related
  Stress Tolerance () — A tendency to cope and function effectively in stressful situations at work.
  Self-Control () — A tendency to remain calm and composed and to manage emotions effectively in res
  Humility (imp:-0.59) — A tendency to be modest and humble when interacting with others at work.

--- TRANSFERABLE SKILLS ---
  Persuasion (imp:3.62 lvl:3.88) — Persuading others to change their minds or behavior.
  Time Management (imp:3.50 lvl:3.00) — Managing one's own time and the time of others.
  Service Orientation (imp:3.38 lvl:3.50) — Actively looking for ways to help people.
  Negotiation (imp:3.25 lvl:3.38) — Bringing others together and trying to reconcile differences.
  Social Perceptiveness (imp:3.12 lvl:3.00) — Being aware of others' reactions and understanding why they react as they do.
  Coordination (imp:3.00 lvl:3.00) — Adjusting actions in relation to others' actions.
  Judgment and Decision Making (imp:3.00 lvl:3.25) — Considering the relative costs and benefits of potential actions to choose the m
  Complex Problem Solving (imp:2.88 lvl:3.12) — Identifying complex problems and reviewing related information to develop and ev
  Systems Analysis (imp:2.75 lvl:3.00) — Determining how a system should work and how changes in conditions, operations, 
  Systems Evaluation (imp:2.75 lvl:3.00) — Identifying measures or indicators of system performance and the actions needed 
  Instructing (imp:2.62 lvl:2.88) — Teaching others how to do something.
  Management of Personnel Resources (imp:2.00 lvl:1.88) — Motivating, developing, and directing people as they work, identifying the best 
  Operations Analysis (imp:1.88 lvl:1.50) — Analyzing needs and product requirements to create a design.
  Technology Design (imp:1.75 lvl:0.75) — Generating or adapting equipment and technology to serve user needs.
  Programming (imp:1.75 lvl:0.75) — Writing computer programs for various purposes.
  Operations Monitoring (imp:1.75 lvl:1.25) — Watching gauges, dials, or other indicators to make sure a machine is working pr
  Operation and Control (imp:1.75 lvl:1.00) — Controlling operations of equipment or systems.
  Management of Financial Resources (imp:1.25 lvl:0.25) — Determining how money will be spent to get the work done, and accounting for the
  Quality Control Analysis (imp:1.12 lvl:0.12) — Conducting tests and inspections of products, services, or processes to evaluate
  Management of Material Resources (imp:1.12 lvl:0.12) — Obtaining and seeing to the appropriate use of equipment, facilities, and materi
  Equipment Selection (imp:1.00) — Determining the kind of tools and equipment needed to do a job.
  Installation (imp:1.00) — Installing equipment, machines, wiring, or programs to meet specifications.
  Equipment Maintenance (imp:1.00) — Performing routine maintenance on equipment and determining when and what kind o
  Troubleshooting (imp:1.00) — Determining causes of operating errors and deciding what to do about it.
  Repairing (imp:1.00) — Repairing machines or systems using the needed tools.

--- NATIONAL WAGES ---
  total_employment : 479,100
  annual_median    : $62,280
  annual_pct10     : $37,330
  annual_pct25     : $46,870
  annual_pct75     : $96,950
  annual_pct90     : $138,140
  annual_mean      : $81,480
  hourly_median    : $29.94

--- GEOGRAPHIC DISPERSION ---
  highest_state    : District of Columbia ($84,530)
  lowest_state     : Puerto Rico ($36,250)
  dispersion_ratio : 2.332x

--- TOP STATES BY WAGE (54 total) ---
  Finance and Insurance                    emp:  464,330  median: $  62,260
  Administrative and Support and Waste Management and Remediation Services emp:    5,190  median: $  50,300
  Management of Companies and Enterprises  emp:    3,240  median: $  81,090
  Professional, Scientific, and Technical Services emp:    1,690  median: $  62,320
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:      730  median: $  88,860
  Real Estate and Rental and Leasing       emp:      440  median: $  49,660
  Health Care and Social Assistance        emp:      360  median: $  65,850
  Other Services (except Public Administration) emp:      180  median: $  64,000
  Construction                             emp:       60  median: $  79,980

--- TOP INDUSTRIES BY EMPLOYMENT (9 total) ---
  Finance and Insurance                    emp:  464,330  median: $  62,260
  Administrative and Support and Waste Management and Remediation Services emp:    5,190  median: $  50,300
  Management of Companies and Enterprises  emp:    3,240  median: $  81,090
  Professional, Scientific, and Technical Services emp:    1,690  median: $  62,320
  Federal, State, and Local Government, excluding State and Local Government Schools and Hospitals and the U.S. Postal Service (OEWS Designation) emp:      730  median: $  88,860
  Real Estate and Rental and Leasing       emp:      440  median: $  49,660
  Health Care and Social Assistance        emp:      360  median: $  65,850
  Other Services (except Public Administration) emp:      180  median: $  64,000
  Construction                             emp:       60  median: $  79,980

exact_match_status : found
matched_title      : Independent insurance agent
match_score        : 0.6122
wikidata_qid       : Q6017508
word_count         : 534
wikipedia_url      : https://en.wikipedia.org/wiki/Independent_insurance_agent
license            : CC BY-SA 4.0
fetched_at         : 2026-06-02T22:18:15.500573Z

--- WIKIPEDIA FULL TEXT ---
Independent insurance agents, also known as insurance sales agents or "producers", typically sell a variety of insurance and financial products, including property insurance and casualty insurance, life insurance, health insurance, disability insurance, and long-term care insurance.
Property and casualty insurance agents sell insurance policies that protect individuals and businesses from financial loss resulting from automobile accidents, fire, theft, storms, and other events that can damage property. For businesses, property and casualty insurance can also cover injured Workers Compensation Insurance, product liability claims, or medical malpractice claims.
Independent insurance agents typically represent a number of insurance companies, or "carriers", and sell the products that most appropriately meet the needs of their clients. Independent agents typically are very well trained and knowledgeable of the complexities of the insurance market and insurance law. Their expertise allows them to advise their clients about appropriate amounts of insurance and insurance coverages for their particular needs. Often, independent insurance agents will work with insurance intermediaries, who obtain quotes from multiple insurance providers and pass them off to the independent agent. Working with an insurance intermediary service allows the independent agent to review many quotes and offer their clients the best policy options available. For their efforts, independent agents are paid a commission (remuneration).
In addition to insurance policies, agents often sell mutual funds, annuities, and products that address wealth management, retirement and estate planning. Independent agents must be licensed by the states in which they sell insurance and financial products.
There are a number of major trade organizations that support the interests and needs of the independent insurance agent, including Agents For Change, The National Organization of Life and Health Agents (NOLHA), the Independent Insurance Agents & Brokers of America (The Big "I"), and the National Association of Professional Insurance Agents (PIA).
Independent agents are independent contractors for the insurance companies they represent.  Several companies may authorize the agent to sell for them, but the agent remains an independent businessperson.  While the agent collects commissions, they do not collect a salary from the companies they represent.  On average, independent agents work with thirteen property and casualty and six life and health insurance companies on a regular basis.
Independent agents own and control their accounts, policy records, and renewals. If an independent agent’s contract with a particular insurance company terminates, the agent retains the rights to active accounts and may place them with another insurer.
Competition exists between exclusive agents and independent agents. Exclusive agents, who are salaried employees of the insurance company, write a majority of the personal lines business. However, because of the complexities involved in commercial risks, independent agents capture approximately 80 percent of the commercial lines market. It is having access to multiple markets that gives independent agents a competitive advantage in commercial lines.
To add to an independent agent’s competition pool, many insurance companies are direct competitors to the agents they appoint. For example, Progressive Insurance spends nearly $300 million a year in advertising directly to the public.  Yet,  Progressive is the country’s largest writer of private passenger auto insurance through the independent agent distribution channel.


== References ==


== External links ==
Independent Insurance Agents & Brokers of America
Independent Insurance Agency Group of America

--- SEMANTIC NEIGHBORS (5) ---

  Title: Insurance broker (similarity: 0.5789)
  URL: https://en.wikipedia.org/wiki/Insurance_broker
  QID: Q285759
  Extract: An insurance broker is an intermediary who sells, solicits, or negotiates insurance on behalf of a client for compensation. An insurance broker is distinct from an insurance agent in that a broker typically acts on behalf of a client by negotiating with multiple insurers, while an agent represents o

  Title: World Financial Group (similarity: 0.4186)
  URL: https://en.wikipedia.org/wiki/World_Financial_Group
  QID: Q8035729
  Extract: World Financial Group (WFG) is a multi-level marketing financial and insurance services company based in Johns Creek, Georgia, a suburb of Atlanta, which sells investment, insurance, and various other financial products through a network of distributors in the United States, Canada, and Puerto Rico.

  Title: Lou Costello (similarity: 0.1765)
  URL: https://en.wikipedia.org/wiki/Lou_Costello
  QID: Q23884
  Extract: Louis Francis Cristillo, better known as Lou Costello, was an American comedian, actor and producer. He was best known for his double act with Bud Abbott and their routine "Who's on First?".

  Title: Insurance (similarity: 0.5806)
  URL: https://en.wikipedia.org/wiki/Insurance
  QID: Q43183
  Extract: Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect against the risk of a contingent or uncertain loss.

  Title: Insurance Agents' International Union (similarity: 0.5424)
  URL: https://en.wikipedia.org/wiki/Insurance_Agents'_International_Union
  QID: Q115801394
  Extract: The Insurance Agents' International Union (IAIU) was a labor union representing agents in the insurance industry, in the United States and Canada.

model_pass1          : claude-sonnet-4-20250514
model_pass2          : claude-haiku-4-5-20251001
inference_confidence : high
confidence_notes     : High confidence based on comprehensive O*NET data, strong Wikipedia match, clear BLS wage data, and well-defined skill and knowledge requirements that distinguish insurance sales from related financial services roles.
inferred_at          : 2026-06-03T21:53:17.831513+00:00
tokens_input         : 4,620
tokens_output        : 4,253
cost_usd             : $0.047119
wikipedia_used       : True
wikipedia_title      : Independent insurance agent
wikipedia_note       : The Wikipedia entry for 'Independent insurance agent' aligns well with the occupation data, confirming that these professionals sell various insurance and financial products including property, casualty, life, health, disability, and long-term care insurance. The semantic similarity to 'Insurance broker' (0.579) supports the occupation's relationship to broader insurance intermediary roles.

--- PROSE FIELDS ---

ROLE SUMMARY:
Insurance Sales Agents sell life, property, casualty, health, automotive, and other types of insurance to businesses and individuals on behalf of insurance companies. They customize insurance programs to suit individual customer needs, explain policy features and benefits, and maintain ongoing client relationships through policy renewals and claims support. These professionals may work as independent brokers or be employed directly by insurance companies, requiring strong interpersonal skills and knowledge of diverse insurance products.

DAY IN THE LIFE:
Insurance Sales Agents begin their day by reviewing client portfolios and identifying prospects for new policies or coverage updates. They spend considerable time interviewing prospective clients to assess financial resources, risk factors, and coverage needs, then customize insurance programs accordingly. Throughout the day, they explain policy features, advantages, and disadvantages to promote sales while using technology tools like Microsoft Office to maintain detailed records. They regularly contact underwriters to submit forms for coverage, confer with clients about claims, and perform administrative tasks such as processing policy renewals. Much of their time involves networking to develop new clientele and maintaining relationships with existing policyholders through regular contact and service.

WHO THRIVES:
Successful Insurance Sales Agents possess exceptional dependability and attention to detail, as evidenced by the highest importance ratings for these work styles. They excel at establishing and maintaining interpersonal relationships, requiring strong oral comprehension and expression abilities to effectively communicate complex insurance concepts. Individuals who thrive in this role demonstrate high integrity and achievement orientation, essential for building trust in financial services. The RIASEC profile indicates these professionals are primarily enterprising (E:5.95) and conventional (C:5.46), suggesting they excel at persuading others while maintaining systematic approaches to documentation and compliance.

CAREER ENTRY:
Most Insurance Sales Agents enter the field with a bachelor's degree (39.5% of practitioners), though associate's degrees (15.8%) and high school diplomas (14.8%) are also common entry points according to education distribution data. Job Zone 4 classification indicates considerable preparation is needed, typically involving state licensing requirements and specialized insurance training. Many companies provide on-the-job training programs covering product knowledge, sales techniques, and regulatory compliance. Entry-level positions often start with established client bases or team support before transitioning to independent client development.

CAREER TRAJECTORY:
Insurance Sales Agents can advance to specialized roles such as commercial lines account managers or district agents, or transition into related financial services positions. Career progression often leads to insurance underwriting, personal financial advisory roles, or management positions overseeing sales teams. The strong foundation in customer service, sales techniques, and financial products creates pathways to securities sales, loan officer positions, or independent brokerage ownership. Experienced agents may also specialize in high-value commercial insurance or niche markets like cyber insurance.

MARKET INTELLIGENCE:
The Bureau of Labor Statistics OEWS May 2025 data shows 479,100 Insurance Sales Agents employed nationwide with a median annual wage of $62,280, ranging from $37,330 to $138,140 (10th to 90th percentile). Geographic wage variation is significant, with District of Columbia offering the highest compensation at $84,530 compared to Puerto Rico's $36,250, representing a 2.33x ratio. The Finance and Insurance sector dominates employment with 464,330 positions, while smaller numbers work in administrative services and management companies. Strong demand continues as businesses and individuals require increasingly complex insurance coverage, particularly in emerging areas like cyber liability.

AUTOMATION OUTLOOK:
Insurance Sales Agents face moderate automation risk as their core activities of establishing interpersonal relationships and customizing insurance solutions require human judgment and emotional intelligence. While routine administrative tasks and basic policy comparisons may become automated, the high importance of selling, influencing others, and evaluating complex compliance requirements suggests continued human value. The need for personalized service in financial decision-making and the regulatory complexity of insurance products create barriers to full automation.

--- REASONED EDGES ---
  [skill_overlap] Securities, Commodities, and Financial Services Sales Agents (41-3031.00) — confidence:high
    reasoning: Both roles share high-importance skills in customer service, sales and marketing, and establishing interpersonal relationships for financial product sales.
    data: Customer and Personal Service (imp:4.7)
    data: Sales and Marketing (imp:4.6)
    data: Establishing and Maintaining Interpersonal Relationships (imp:4.2)
  [knowledge_overlap] Personal Financial Advisors (13-2052.00) — confidence:high
    reasoning: Both occupations require deep knowledge of customer service, financial products, and mathematics for advising clients on financial protection strategies.
    data: Customer and Personal Service (imp:4.7)
    data: Mathematics (imp:3.6)
    data: Law and Government (imp:3.5)
  [task_similarity] Customer Service Representatives (43-4051.00) — confidence:medium
    reasoning: Both roles involve explaining product features, gathering customer information, and maintaining client relationships through ongoing service interactions.
    data: Explaining financial information to customers
    data: Gathering customer information
    data: Establishing and Maintaining Interpersonal Relationships (imp:4.2)
  [career_pathway] Insurance Underwriters (13-2053.00) — confidence:high
    reasoning: Insurance Sales Agents regularly contact underwriters and develop expertise in risk assessment that creates natural progression to underwriting roles.
    data: Contact underwriter and submit forms to obtain binder coverage
    data: Evaluating Information to Determine Compliance with Standards (imp:3.5)
  [riasec_cluster] Loan Officers (13-2072.00) — confidence:medium
    reasoning: Both occupations share high enterprising and conventional RIASEC traits, involving persuasive financial sales and systematic documentation processes.
    data: RIASEC E:5.95, C:5.46
    data: Selling or Influencing Others (imp:4.0)
    data: Working with Computers (imp:3.9)

--- NORMALIZER SIGNALS ---
  match_keywords   : ['insurance agent', 'insurance sales', 'policy sales', 'insurance representative', 'commercial lines', 'property casualty', 'life insurance', 'health insurance']
  exclude_keywords : ['underwriter', 'claims adjuster', 'actuary', 'broker assistant', 'processor']
  title_patterns   : ['Insurance Sales Agent', 'Insurance Agent', 'Account Representative', 'Commercial Lines Agent', 'Field Agent']
  common_variations: ['insurance sales agent', 'insurance representative', 'insurance account manager', 'insurance specialist', 'commercial insurance agent', 'life insurance agent', 'property insurance agent', 'casualty insurance agent']

total_terms    : 40
top_words      : ['insurance', 'tendency', 'others', 'agents', 'independent', 'financial', 'equipment', 'products', 'sales', 'needs', 'services', 'principles', 'customer', 'control', 'agent', 'companies', 'property', 'includes', 'techniques', 'objects']
source_layers  : onet_tasks | onet_dimensions | dwas | wikipedia | inference

TERM                    COUNT     FREQ  DOMINANT SOURCE      SOURCE BREAKDOWN
──────────────────────────────────────────────────────────────────────────────────────────
insurance                  85  0.02733  wikipedia            wikipedia:55%  inference:32%  onet_tasks:13%
tendency                   42  0.01350  onet_dimensions      onet_dimensions:100%
others                     40  0.01286  onet_dimensions      onet_dimensions:95%  inference:5%
agents                     34  0.01093  wikipedia            wikipedia:74%  inference:26%
independent                27  0.00868  wikipedia            wikipedia:85%  inference:15%
financial                  25  0.00804  dwas                 dwas:28%  wikipedia:28%  inference:28%
equipment                  23  0.00739  onet_dimensions      onet_dimensions:100%
products                   20  0.00643  onet_dimensions      onet_dimensions:25%  dwas:25%  wikipedia:25%
sales                      20  0.00643  inference            inference:60%  dwas:20%  onet_dimensions:15%
needs                      19  0.00611  onet_dimensions      onet_dimensions:42%  dwas:26%  wikipedia:16%
services                   16  0.00515  onet_dimensions      onet_dimensions:38%  dwas:31%  inference:19%
principles                 16  0.00515  onet_dimensions      onet_dimensions:100%
customer                   14  0.00450  dwas                 dwas:50%  onet_dimensions:29%  inference:14%
control                    13  0.00418  onet_dimensions      onet_dimensions:92%  wikipedia:8%
agent                      13  0.00418  wikipedia            wikipedia:92%  inference:8%
companies                  12  0.00386  wikipedia            wikipedia:50%  inference:33%  onet_tasks:17%
property                   12  0.00386  wikipedia            wikipedia:42%  onet_tasks:25%  inference:17%
includes                   12  0.00386  onet_dimensions      onet_dimensions:100%
techniques                 12  0.00386  onet_dimensions      onet_dimensions:83%  inference:17%
objects                    12  0.00386  onet_dimensions      onet_dimensions:100%
customers                  11  0.00354  dwas                 dwas:55%  onet_dimensions:27%  onet_tasks:18%
sell                       11  0.00354  wikipedia            wikipedia:55%  onet_tasks:18%  inference:18%
resources                  11  0.00354  onet_dimensions      onet_dimensions:82%  onet_tasks:9%  inference:9%
problems                   11  0.00354  onet_dimensions      onet_dimensions:82%  onet_tasks:9%  dwas:9%
management                 11  0.00354  onet_dimensions      onet_dimensions:64%  wikipedia:18%  inference:18%
ideas                      11  0.00354  onet_dimensions      onet_dimensions:100%
activities                 11  0.00354  onet_dimensions      onet_dimensions:82%  dwas:9%  inference:9%
maintaining                10  0.00321  onet_dimensions      onet_dimensions:60%  inference:30%  onet_tasks:10%
clients                    10  0.00321  onet_tasks           onet_tasks:40%  wikipedia:30%  inference:20%
materials                  10  0.00321  onet_dimensions      onet_dimensions:100%
events                     10  0.00321  onet_dimensions      onet_dimensions:80%  dwas:10%  wikipedia:10%
body                       10  0.00321  onet_dimensions      onet_dimensions:100%
orientation                10  0.00321  onet_dimensions      onet_dimensions:90%  inference:10%
programs                    9  0.00289  onet_dimensions      onet_dimensions:44%  inference:33%  onet_tasks:22%
explain                     9  0.00289  dwas                 dwas:44%  onet_tasks:33%  inference:22%
developing                  9  0.00289  onet_dimensions      onet_dimensions:89%  onet_tasks:11%
human                       9  0.00289  onet_dimensions      onet_dimensions:78%  inference:22%
quickly                     9  0.00289  onet_dimensions      onet_dimensions:100%
identifying                 9  0.00289  onet_dimensions      onet_dimensions:89%  inference:11%
individuals                 8  0.00257  inference            inference:38%  onet_tasks:25%  onet_dimensions:25%