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Career and Education Opportunities for Insurance Agents in Tempe, Arizona

For those living in the Tempe, Arizona area, there are many career and education opportunities for insurance agents. There are currently 7,540 working insurance agents in Arizona; this should grow by 16% to about 8,710 working insurance agents in the state by 2016. This is better than the nation as a whole, where employment opportunities for insurance agents are expected to grow by about 11.9%. Insurance agents generally sell life, property, or other types of insurance.

A person working as an insurance agent can expect to earn about $20 hourly or $43,370 per year on average in Arizona and about $21 per hour or $45,430 yearly on average in the U.S. as a whole. Compared with people working in the overall category of Sales and Clerical, people working as insurance agents in Arizona earn more. They earn more than people working in the overall category of Sales and Clerical nationally.

The Tempe area is home to seventy-six schools of higher education, including one within twenty-five miles of Tempe where you can get a degree as an insurance agent. Given that the most common education level for insurance agents is a Bachelor's degree, you can expect to spend about four years studying to be an insurance agent if you already have a high school diploma.

CAREER DESCRIPTION: Insurance Agent

Insurance Agent video from the State of New Jersey Dept. of Labor and Workforce Development

In general, insurance agents sell life, property, or other types of insurance. They also may refer clients to independent brokers, work as independent broker, or be employed by an insurance company.

Insurance agents attend meetings, seminars and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts. They also sell various types of insurance policies to businesses and individuals on behalf of insurance companies. Equally important, insurance agents have to explain features, advantages and disadvantages of various policies to advance sale of insurance plans. They are often called upon to interview prospective clients to obtain data about their financial resources and needs, the physical state of the person or property to be insured, and to consider any existing coverage. They are expected to call on policyholders to deliver and explain policies, to analyze insurance programs and suggest additions or changes. Finally, insurance agents insure that policy requirements are fulfilled, including any needed medical examinations and the completion of appropriate forms.

Every day, insurance agents are expected to be able to read and understand documents and reports. They need to articulate ideas and problems. It is also important that they listen to and understand others in meetings.

It is important for insurance agents to perform administrative tasks. They are often called upon to design marketing strategies to compete with other individuals or companies who sell insurance. They also customize insurance programs to suit individual clients, often covering a variety of risks. They are sometimes expected to monitor insurance claims to insure they are settled equitably for both the client and the insurer. Somewhat less frequently, insurance agents are also expected to attend meetings, seminars and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.

Insurance agents sometimes are asked to explain needed bookkeeping requirements for customer to execute and furnish group insurance program. And finally, they sometimes have to insure that policy requirements are fulfilled, including any needed medical examinations and the completion of appropriate forms.

Like many other jobs, insurance agents must have exceptional integrity and be thorough and dependable.

Similar jobs with educational opportunities in Tempe include:

  • Advertising Agent. Sell or solicit advertising, including graphic art, advertising space in publications, custom made signs, or TV and radio advertising time. May obtain leases for outdoor advertising sites or persuade retailer to use sales promotion display items.
  • Cage Cashier. Exchange coins and tokens for patrons' money. May issue payoffs and obtain customer's signature on receipt when winnings exceed the amount held in the slot machine. May operate a booth in the slot machine area and furnish change persons with money bank at the start of the shift, or count and audit money in drawers.
  • Cashier. Receive and disburse money in establishments other than financial institutions. Usually involves use of electronic scanners, cash registers, or related equipment. Often involved in processing credit or debit card transactions and validating checks.
  • Product Demonstrator. Demonstrate merchandise and answer questions for the purpose of creating public interest in buying the product. May sell demonstrated merchandise.
  • Real Estate Agent. Rent, buy, or sell property for clients. Perform duties, such as study property listings, interview prospective clients, accompany clients to property site, discuss conditions of sale, and draw up real estate contracts. Includes agents who represent buyer.
  • Retail Sales Manager. Directly supervise sales workers in a retail establishment or department. Duties may include management functions, such as purchasing, budgeting, and personnel work, in addition to supervisory duties.
  • Retail Salesman. Sell merchandise, such as furniture, motor vehicles, or apparel in a retail establishment.
  • Sales Team Manager. Directly supervise and coordinate activities of sales workers other than retail sales workers. May perform duties, such as budgeting, accounting, and personnel work, in addition to supervisory duties.
  • Technical Service Representative. Sell goods for wholesalers or manufacturers where technical or scientific knowledge is required in such areas as biology, engineering, and electronics, normally obtained from at least 2 years of post-secondary education.
  • Telemarketer. Solicit orders for goods or services over the telephone.
  • Wholesale and Manufacturing Sales Representative. Sell goods for wholesalers or manufacturers to businesses or groups of individuals. Work requires substantial knowledge of items sold.

EDUCATIONAL OPPORTUNITIES: Insurance Agent Training

Phoenix College - Phoenix, AZ

Phoenix College, 1202 W Thomas Rd, Phoenix, AZ 85013. Phoenix College is a large college located in Phoenix, Arizona. It is a public school with primarily 2-year programs and has 10,917 students. Phoenix College has a less than one year and an associate's degree program in Insurance.

CERTIFICATIONS

Accredited Adviser in Insurance: The Accredited Adviser in Insurance program gives you the tools you need to establish a clear professional advantage in the marketplace and fulfill your commitment to customer service.

For more information, see the American Institute for CPCU and Insurance Institute of America website.

Associate in Insurance Services: The Associate in Insurance Services program is a nationally recognized educational program designed specifically for insurance personnel.

For more information, see the American Institute for CPCU and Insurance Institute of America website.

Certified Pension Consultant: The Certified Pension Consultant (CPC) credential is designed for benefits professionals working in plan administration, pension actuarial administration, insurance, and financial planning.

For more information, see the American Society of Pension Professionals and Actuaries website.

Board Certified Estate Planner: Board Certified in Estate Planning (BCE) is the only designation designed and offered to brokers, advisors, and planners who have clients interested in estate accumulation, preservation, and distribution.

For more information, see the Institute of Certified Fund Specialists website.

Certified Sales Professional: The Certified Sales Professional (CSP) program gives a thorough understanding of consultative selling.

For more information, see the Manufacturers Representatives Educational Research Foundation website.

Certified Salesperson: The SMEI Certified Professional Salesperson program is ideal for professionals who are employed as a sales representatives, account managers, distributor representatives and business development personnel.

For more information, see the Sales & Marketing Executives International website.

LOCATION INFORMATION: Tempe, Arizona

Tempe, Arizona
Tempe, Arizona photo by File Upload Bot

Tempe is situated in Maricopa County, Arizona. It has a population of over 175,523, which has grown by 10.7% over the last ten years. The cost of living index in Tempe, 95, is below the national average. New single-family homes in Tempe cost $163,900 on average, which is far less than the state average. In 2008, sixty-three new homes were constructed in Tempe, down from one hundred seven the previous year.

The three big industries for women in Tempe are educational services, accommodation and food services, and health care. For men, it is accommodation and food services, educational services, and construction. The average commute to work is about 20 minutes. More than 39.6% of Tempe residents have a bachelor's degree, which is higher than the state average. The percentage of residents with a graduate degree, 14.6%, is higher than the state average.

The unemployment rate in Tempe is 7.5%, which is less than Arizona's average of 9.3%.

The percentage of Tempe residents that are affiliated with a religious congregation, 39.7%, is less than the national average but more than the state average. The largest religious groups are the Catholic Church, the LDS (Mormon) Church and the Southern Baptist Convention.

Tempe is home to the Casa Fiesta Travel Trailer Resort and the Fair Lanes Village Center as well as Birchett Park and Hudson Park. Shopping malls in the area include Arizona Mall of Tempe, Arizona Mills Mall and Baseline Village Shopping Center. Visitors to Tempe can choose from Motel 6, Executive Suites Extended Stay and Best Western Nova Plus Test Property for temporary stays in the area.