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Career and Education Opportunities for Insurance Agents in Stockton, California

Stockton, California provides a wide variety of opportunities, both career and educational, for insurance agents. There are currently 38,600 jobs for insurance agents in California and this is projected to grow by 15% to about 44,200 jobs 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%. In general, insurance agents sell life, property, or other types of insurance.

A person working as an insurance agent can expect to earn about $26 hourly or $55,930 per year on average in California and about $21 per hour or $45,430 annually on average in the U.S. as a whole. Earnings for insurance agents are better than earnings in the general category of Sales and Clerical in California and better than general Sales and Clerical category earnings nationally.

There is one school within twenty-five miles of Stockton where you can study to be an insurance agent, among twenty-two schools of higher education total in the Stockton area. The most common level of education for insurance agents is a Bachelor's degree. It will take about four years to learn 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 Stockton include:

  • 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

San Joaquin Delta College - Stockton, CA

San Joaquin Delta College, 5151 Pacific Ave, Stockton, CA 95207. San Joaquin Delta College is a large college located in Stockton, California. It is a public school with primarily 2-year programs and has 20,480 students. San Joaquin Delta College has a two to four year 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.

LICENSES

Fire and Casualty Broker-Agent

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

Life Agent

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

Motor (Automobile) Club Agent

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

Part-time Fraternal Agent

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

Personal Lines Broker-Agent License (Insurance)

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

Surplus Lines Broker

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

Travel Insurance Agent

Licensing agency: Department of Insurance
Address: Producer Licensing Bureau, 320 Capitol Mall, Sacramento, CA 95814

Phone: (916) 322-3555
Website: Department of Insurance Producer Licensing Bureau

LOCATION INFORMATION: Stockton, California

Stockton, California
Stockton, California photo by Ron Reiring

Stockton is situated in San Joaquin County, California. It has a population of over 287,037, which has grown by 17.7% over the last ten years. The cost of living index in Stockton, 91, is below the national average. New single-family homes in Stockton cost $262,500 on average, which is well below the state average. In 2008, one hundred sixty-four new homes were built in Stockton, down from six hundred seventeen the previous year.

The top three industries for women in Stockton are health care, educational services, and accommodation and food services. For men, it is construction, agriculture, forestry, fishing and hunting, and public administration. The average travel time to work is about 27 minutes. More than 15.4% of Stockton residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 4.9%, is lower than the state average.

The unemployment rate in Stockton is 19.4%, which is greater than California's average of 12.3%.

The percentage of Stockton residents that are affiliated with a religious congregation, 38.2%, is less than both the national and state average. Peniel Ministries for Stockton Neighborhood Center, Corinthian Missionary Baptist Church and Kingdom Hall of Jehovahs Witnesses are among the churches located in Stockton. The largest religious groups are the Catholic Church, the LDS (Mormon) Church and the Southern Baptist Convention.

Stockton is home to the Calaveras Landing and the Stockton Country Club as well as Atherton Park and Williams Brotherhood Park. Shopping malls in the area include Saint Marks Plaza Shopping Center, Hammer Ranch Shopping Center and Weberstown Shopping Center. Visitors to Stockton can choose from Best Western Inn, Best Value Inn and Acorn Inn for temporary stays in the area.