Description
Sell and service life insurance products, including term, whole, universal, final expense, and survivorship policies. Assess client needs, recommend coverage and riders, calculate premiums, and guide clients through underwriting, policy issuance, and claims. May work as an independent broker or for a single carrier.
- • Meet with clients to explain life policies, review needs, recommend changes, and process beneficiary updates.
- • Calculate premiums, run policy illustrations, and set up payment methods.
- • Design life insurance solutions tailored to goals such as income replacement, mortgage protection, and estate planning.
- • Sell term, whole, universal, final expense, and survivorship life policies and appropriate riders.
- • Interview prospects to gather financial, family, health, and existing coverage information.
- • Prospect and network to build a pipeline of qualified clients.
- • Explain policy features, riders, cash values, costs, and tax considerations.
- • Submit applications to underwriting and coordinate medical exams, labs, and medical records.
- • Ensure all underwriting and compliance requirements are completed accurately and on time.
- • Assist beneficiaries with death claims and guide clients through policy service requests.
- • Maintain client records and handle policy delivery, changes, loans, conversions, and renewals.
- • Match clients with carriers and products that fit coverage needs, underwriting classes, and budgets.
- • Track application and claim status and advocate for timely, accurate outcomes.
- • Develop and execute marketing campaigns to compete in the local market.
- • Attend training and continuing education to stay current on products, regulations, and sales practices.
- • Conduct periodic policy reviews as client circumstances change.
- • Adhere to state licensing, privacy, anti-money-laundering, and suitability rules.
- • Use CRM, e-app, and e-sign tools to manage leads and streamline sales.
- • Educate clients on premium options, cash value access, policy loans, and term conversion privileges.
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Last reviewed: Jan 2026
