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Career and Education Opportunities for Insurance Agents in Fort Worth, Texas

Fort Worth, Texas provides a wide variety of opportunities, both career and educational, for insurance agents. About 44,520 people are currently employed as insurance agents in Texas. By 2016, this is expected to grow by 14% to about 50,710 people employed. 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.

Insurance agents earn about $19 per hour or $41,020 per year on average in Texas and about $21 hourly or $45,430 per year on average nationally. Earnings for insurance agents are better than earnings in the general category of Sales and Clerical in Texas and better than general Sales and Clerical category earnings nationally.

There is one school within twenty-five miles of Fort Worth where you can study to be an insurance agent, among ninety-one schools of higher education total in the Fort Worth area. 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 Fort Worth 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.
  • 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

University of North Texas - Denton, TX

University of North Texas, Chestnut Ave., Denton, TX 76203-1277. University of North Texas is a large university located in Denton, Texas. It is a public school with primarily 4-year or above programs. It has 34,795 students and an admission rate of 64%. University of North Texas has a bachelor's degree program in Insurance which graduated ten students in 2008.

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

INSURANCE AGENT

Licensing agency: Texas Department of Insurance License Division
Address: PO Box 149104, Austin, TX 78714-9104

Phone: (512) 322-3503
Website: Texas Department of Insurance License Division

LOCATION INFORMATION: Fort Worth, Texas

Fort Worth, Texas
Fort Worth, Texas photo by Chin tin tin

Fort Worth is situated in Tarrant County, Texas. It has a population of over 703,073, which has grown by 31.5% in the past ten years. The cost of living index in Fort Worth, 88, is well below the national average. New single-family homes in Fort Worth are valued at $145,600 on average, which is well below the state average. In 2008, 3,790 new homes were constructed in Fort Worth, down from 5,669 the previous year.

The top three industries for women in Fort Worth are health care, educational services, and finance and insurance. For men, it is construction, accommodation and food services, and professional, scientific, and technical services. The average commute to work is about 25 minutes. More than 22.3% of Fort Worth residents have a bachelor's degree, which is higher than the state average. The percentage of residents with a graduate degree, 7.3%, is higher than the state average.

The unemployment rate in Fort Worth is 8.3%, which is greater than Texas's average of 8.1%.

The percentage of Fort Worth residents that are affiliated with a religious congregation, 52.5%, is more than the national average but less than the state average. Pentecostal Church of God in Christ, Pentecostal Water of Life Church and Petra Baptist Church are among the churches located in Fort Worth. The most prominent religious groups are the Southern Baptist Convention, the Catholic Church and the United Methodist Church.

Fort Worth is home to the Hurst Sewage Disposal and the Hart Spur as well as Trinity Valley School Softball Field and Circle Park. Shopping malls in the area include Overton Park Plaza Shopping Center, Ridgmar Town Square Shopping Center and Fair Oaks Shopping Center. Visitors to Fort Worth can choose from Azalea Plantation Bed & Breakfast, Central Motel and Best Western Fort Worth Inn for temporary stays in the area.