How do undergraduate students work at insurance company as sales agent or recruiter?

Question by ripponjeet: How do undergraduate students work at insurance company as sales agent or recruiter?
Would Insurance companies require insurance license for all staff for earning commission and everything? I know students can work anywhere but what about insurance company?


What do you think? Answer below!

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1 comment:

  1. PopeyeSeptember 5, 2013 at 4:10 AM

    If you are going to be selling any type of insurance you have to be licensed. That means you have to be an adult. Some states have different age requirements to be an agent, such as 18 or 21, whatever your state requires. Getting the license is not easy. You have to undergo a very thorough background search including credit check, drug test, criminal background check, meet educational requirements, maybe take a physical exam. Also, they generally want someone who is married. Insurance companies only want to hire the best people to represent them.

    You can get a temporary 90 day license while they are doing the investigations. You have to complete a training course and gain practical experience by accompanying a sales manager out in the field while he sells insurance. The sales managers are the ones who do the recruiting.

    There are usually at least 2 kinds of licenses, life/health, and property/casualty. The license is sponsored by the insurance company, which is usually exclusive unless you are a broker. That means you can only represent that one company that is sponsoring your license. And in order to get the license you have to take a state exam which takes about 4 hours and is not easy.

    If you worked in the home office of the insurance company such as the accounting or underwriting departments, you would not have to be licensed.

    If you're considering becoming a life insurance agent you should know that the drop out rate for the first year is 95% and for the second year is 99%. It's an extremely tough way to earn a living.

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