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Characteristics of the Best Insurance Agents

by Laurie Reeves

Insurance agents sell insurance products that protect businesses and people from dangers or liabilities that can arise during the course of business. The best agents put their customers' needs forefront and make themselves readily available to their customers. Because many agents work on commission, the better insurance agents garner higher wages. The median wage for an insurance agent, according to the U.S. Bureau of Labor Statistics, was $46,770 in May 2010, but agents in the top 10 percent earned more than $115,340 per year.

Knowledge

A highly prized characteristic of the best insurance agents is knowledge of the products they offer. Insurance policies are complicated for the average person to understand. An insurance agent who understands your business or personal needs and budget can help you get the right kind of insurance protection and coverage. He understands the ins and outs of the policy and can summarize its finer points with ease.

Experience and Honesty

Good agents have experience with working with your business, your industry, your protection needs and with insurance. They know important statistical information that can help you select the right policy. Along with their experience, the best agents are honest. They don't try to sell you insurance that you don't need.

Communication Skills

The language in an insurance policy can put even the avid reader to sleep. Filled with legal and insurance terminology, a policy can be hard to understand. The best agents know how to communicate this information in a way that you can easily comprehend. They don't talk down to you – they inform you intelligently. The best agents can talk to anyone; they can effectively communicate with people from different backgrounds and cultures.

Accessible

When you need to reach your insurance agent, he needs to be available. To keep your business, a good agent ensures that you can reach him when you need to, even during odd hours. Because he often serves as the point person when you need to file a claim, it helps when he makes himself accessible and flexible.

Professional

An agent who presents himself as a professional and stays abreast of changes in law and the industry will be an agent who has more customers. Businesspeople rely on their insurance agents to be in touch with the changes in your business industry and the insurance markets. A well-mannered, well-dressed and courteous insurance agent wins more clients than those who aren't.

Service

The insurance agent who periodically checks in with you to ensure that all is well is a person who puts your business needs first. While you don't need an agent calling you weekly or even monthly, an agent who responds to your needs and keeps your business interests foremost will be there when you need to file a claim or need more information.

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