Insurance Sales Agents
Also called: Account Representative, Account Specialist, Auto Insurance Agent (Automotive Insurance Agent), Bilingual Insurance Sales Agent, Bond Writer, Burial Agent, Commercial Lines Account Manager, Compensation Agent
Sell life, property, casualty, health, automotive, or other types of insurance.
What insurance sales agents do
Typical tasks
- Customize insurance programs to suit individual customers, often covering a variety of risks.
- Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice.
- Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
- Perform administrative tasks, such as maintaining records and handling policy renewals.
- Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
- Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
- Confer with clients to obtain and provide information when claims are made on a policy.
- Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage.
- Contact underwriter and submit forms to obtain binder coverage.
- Select company that offers type of coverage requested by client to underwrite policy.
- Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
- Develop marketing strategies to compete with other individuals or companies who sell insurance.
Typical path into the job (BLS)
Insurance Sales Agents salary
The median annual wage for insurance sales agents is $62,280 (BLS OEWS May 2025; BLS Employment Projections 2025–35, national). The lowest 10 percent earn less than $37,330 and the highest 10 percent earn more than $138,140. The mean annual wage is $81,480.
The mean hourly wage of $39.00 is 5.4× the federal minimum wage of $7.25. State minimums are higher in most large states. Minimum wage by state →
How does your pay compare with people your age?
Your numbers are not sent or stored. The comparison uses this occupation's BLS wage percentiles, adjusted for age with BLS median weekly earnings by age group (Q3 2026).
Pay by percentile
Annual wage percentiles from the BLS Occupational Employment and Wage Statistics (OEWS). Percentiles are a good proxy for pay by experience.
Projected pay for Insurance Sales Agents (3, 5 and 10 years)est.
Today $62,280 → in 3 years $67,200 → in 5 years $70,600 → in 10 years $80,100 (10-year range $68,900–$93,000). The model assumes pay growth of +2.5% per year.
What drives the annual growth rate
Projected pay = current pay × (1 + annual growth)^years. The annual growth rate starts from a base wage-growth rate and adds or subtracts labor demand (BLS projected employment growth), wage momentum and AI replacement risk for each occupation. Projections are not guarantees. How it is calculated →
Outlook score for Insurance Sales Agents
Each component is a percentile rank among all occupations in the same country (0–100). Weights: labor demand 25, wage momentum / openings 15, pay level 15, AI resistance 25, aging workforce 10 (Japan only), entry barrier 10.
Will AI replace Insurance Sales Agents? AI replacement risk
How AI is changing this job
A written analysis for this occupation is being prepared.
AI replacement risk compares the parts of a job that are easy to hand to AI or software (processing information, documentation, repetitive computer work) with the parts that are hard to automate (physical work, working closely with people, judgment in unpredictable settings), using O*NET work activities, work context, skills and knowledge. The result is a relative position among all occupations in the country, scaled to 0–100%. Methodology →
Labor demand for Insurance Sales Agents
Employment projections are from the BLS Employment Projections program (2025–35). Annual openings include both new jobs and replacement of workers who leave the occupation.
Skills, education and requirements for Insurance Sales Agents
Key skills
O*NET skill level ratings (0–7).
Key knowledge areas
What the work involves
Important abilities
Education of workers
Training before entry
Related work experience
Job Zone 4 — considerable preparation needed (O*NET)
Difficulty of entry: ★★☆☆☆ Fairly easy (from education, training, experience and Job Zone)
How to become insurance sales agents
A step-by-step guide for this occupation is being prepared. The education, training and experience data above show the typical path.
Career path and how to earn more as insurance sales agents
Career-path guidance is being prepared. Pay by percentile is shown in the Pay section.