Career Development

15 Insurance Representative Skills for Your Career and Resume

Learn about the most important Insurance Representative skills, how you can utilize them in the workplace, and what to list on your resume.

An insurance representative is a professional who helps people choose the right insurance policies for their needs. Insurance representatives need to have a deep understanding of the products they sell and the ability to listen to their clients to determine their needs. They also need to be able to explain the coverage and benefits of different policies in a way that is easy for their clients to understand. If you are interested in a career as an insurance representative, developing these skills can help you be successful in the role.

Policy Administration

Policies are the rules that an insurance company follows when providing coverage. Examples of policies include deductibles, claim limits and whether a policy is active or lapsed. When working as an insurance representative, it’s important to understand how your company handles these policies so you can provide accurate information to customers. You may also need to explain why certain aspects of a policy exist and what they mean for customers.

Customer Service

Customer service skills are important for insurance representatives to have because they help you connect with customers and provide them with the information they need. Customer service skills include empathy, friendliness and patience as well as active listening, problem solving and conflict resolution. You can use customer service skills when interacting with clients over the phone or in person.


Communication is the ability to convey information clearly and concisely. Insurance representatives often communicate with clients over the phone, in person or through email. Strong communication skills can help you explain complex insurance policies and answer client questions effectively. You may also use your communication skills when negotiating a claim with an insurance company on behalf of a client.


Patience is a skill that can help insurance representatives remain calm and composed when dealing with customers. This can be especially important if the customer has concerns about their policy or needs to make a large payment. It’s also helpful for representatives to have patience when explaining complex topics, such as how deductibles work or what types of coverage are available.

Risk Management

Risk management is the ability to assess and evaluate risks, which can help you make informed decisions. Insurance representatives often use risk management when working with clients to determine what types of insurance they need. For example, if a client owns a home that has experienced water damage in the past, an insurance representative may recommend flood insurance for them.


Underwriting is the process by which an insurance company assesses risk and decides whether to offer coverage. Insurance representatives with strong underwriting skills can help customers find affordable policies that meet their needs. For example, if a customer wants to protect their home from fire damage but doesn’t have enough money saved for a large claim, an insurance representative with underwriting skills could recommend a policy with a low deductible or no deductible at all.

Regulatory Compliance

Regulatory compliance is the ability to understand and follow laws, rules and regulations. As an insurance representative, you may need to ensure that your clients are following all necessary legal requirements for their business or personal needs. You can also use regulatory compliance skills when explaining how different types of insurance work. For example, if a client asks why they need certain types of coverage, you can explain that it’s required by law.

Product Knowledge

Insurance representatives should have a thorough understanding of the products they sell. This ensures that you can answer any questions your customers may have about their policies and explain how each product works. For example, if a customer asks you what happens if they file a claim, you can explain the details of their policy to them. Having product knowledge also allows you to make suggestions for coverage based on your customers’ needs.


Empathy is the ability to understand and share another person’s feelings. Insurance representatives often use empathy when interacting with customers who have experienced a loss. For example, if a customer has just had their home flooded, an insurance representative can show empathy by acknowledging how devastating this experience must be for them. This allows the representative to connect with the customer on a personal level and build trust.

Financial Analysis

Financial analysis is the ability to interpret and understand financial data. Insurance representatives often use financial analysis skills when reviewing customer information, assessing risk and determining coverage options. This skill set can help you make informed decisions that benefit your customers and improve your company’s bottom line.

Contract Review

Insurance representatives often review contracts to ensure that the customer understands all of the details and agrees with the terms. This skill requires attention to detail, as you may need to read through lengthy documents to find any clauses or stipulations that could affect the customer’s experience with the company. You can also use your knowledge of insurance products to help customers understand their coverage options and make informed decisions about their policies.

Claims Processing

Claims processing is the ability to understand and process insurance claims. This includes understanding how to fill out forms, review medical records, assess damages and determine if a claim should be paid or denied. Insurance representatives often use their claims-processing skills when working with customers who have filed a claim.


Negotiation is the process of communicating with another party to reach an agreement. Insurance representatives often use negotiation skills when discussing policy details with clients. For example, if a client wants coverage for something that isn’t part of their current plan, the representative may negotiate on behalf of the insurance company to convince the client to accept the new terms.


Organization is the ability to keep track of multiple tasks and responsibilities. Insurance representatives often have many duties, including researching customer requests, entering data into computer systems, updating files and records and communicating with other employees. Having strong organizational skills can help insurance representatives manage their workloads effectively and ensure they complete all necessary tasks in a timely manner.


Sales skills are important for insurance representatives because they help you close deals and earn commissions. You can use your sales skills to persuade clients to buy the products or services that best suit their needs. For example, if a client is looking for car insurance, you might explain how purchasing comprehensive coverage could save them money in case of an accident.

How Can I Learn These Insurance Representative Skills?

There are a few ways that you can learn the skills that are necessary to be an insurance representative. One way is to take some courses at a local college or university. Many colleges and universities offer courses in insurance and risk management. Another way is to find some books on the subject and read up on the different aspects of insurance. You can also find some online resources that can help you learn about the different aspects of insurance. Finally, you can talk to some insurance representatives and ask them for advice on how to improve your skills.


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