how to become a health insurance agent

According to the U.S. Bureau of Labor Statistics, insurance sales agents in general earned an average salary of $67,890 per year as of May 2018. How to become a Core Health Insurance agent. All states require that health insurance agents be licensed to sell insurance. Look at the following chart for a basic overview of what you need to become a health insurance agent. A licensed health insurance agent is your personal shopper. In California, that’s the California Department of Insurance (DOI). Research what it takes to become a health insurance agent. Getting your Texas insurance license is the first step to becoming an insurance agent in Texas.. Now let's explore the steps aspiring health insurance agents take toward this career. This plan includes: Take classes on your own terms while saving up to 50% on college. All rights reserved. What Are My Career Options in Health Insurance? Agents usually find possible policyholders by referrals and leads. How Much Does an Insurance Agent Make in California? You need two things to become an independent insurance agent in Texas -- an insurance license and an appointment to sell the products of one or more insurance companies. To become a Max Life insurance agent you need to be 18 years old. The vast majority of life insurance companies have no formal education requirements for becoming an agent. Obtain authorization to represent UnitedHealthcare and its products by entering into a legal agreement with the company and securing an appointment by them. Many colleges and universities offer courses in insurance, and select schools offer majors or minors in insurance. Professionals in this field are usually self-employed, but licensed brokers run their own business helping customers rent or purchase homes, whereas sales agents operate under the guidance of a real estate broker. However, many employers prefer their health insurance agents to possess a college degree. Upon being hired, a new health insurance agent typically works under an experienced agent for an extended amount of time. The role of the licensed health insurance agent or broker . Before selling health insurance plans through the federal Health Insurance Marketplace® (FFM) on HealthCare.gov, you’ll need to register, sign agreements, and complete required training. However, some states may waive pre-licensing course requirements for those who hold a college degree. 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In order to become a broker with UnitedHealthcare, you must take the following steps. For free! How Do I Get an America's Health Insurance Plans (AHIP) Certification? Undergraduate applicants must be a high school graduate or have completed GED and completed some college. Medical Administrative Secretary or Assistant. Health insurance agents sell medical, dental, and life insurance to potential clients by explaining different policies and coverage options, and then helping them select and purchase suitable plans. Become an Insurance Agent Obtain an Insurance License All North Carolina applicants for an insurance license may obtain an Insurance Licensing Examination Candidate Guide (free of charge) by accessing the link below or www.pearsonvue.com or by calling Pearson VUE at 866-265-6329. Read on to explore the typical personality and... An admission advisor from each school can provide more info about: Get Started with Southern New Hampshire University, Get Started with Bryant & Stratton College, Get Started with Purdue University Global, Get Started with Colorado State University Global. The National Association of Insurance Commissioners' (NAIC) website offers a listing of all state licensing entities (www.naic.org). They may work as... Are you curious if you have what it takes to succeed as an insurance agent? How to Become an Independent Insurance Agent in Texas. We've determined that 66.7% of health insurance agents have a bachelor's degree. Study.com College Advisor that can help you compare costs and options. 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Must complete an application online and submit transcripts for their highest degree earned. What are the Different Types of Journalism? Research the education requirements and learn about the experience you need to advance your career in health insurance sales. There's no formal educational requirement to become a health insurance agent, but many employers prefer that you hold a bachelor's degree. Insurance is too complex. Learn.org. Purchasing health care insurance can be a very difficult task. Whether you need a Texas life insurance license, a Texas property and casualty license, or any combination, we’ve got the information you need to pass your insurance license exams and become an insurance agent. 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To become a health insurance agent, start by checking your state's guidelines, which will likely include mandatory training, licensing, and a criminal background check. This career focuses on contacting companies and offering deals for advertising space within various outlets; for example, TV commercials or radio spots. As such, many take advantage of learning opportunities, such as industry forums and seminars, continuing education courses and industry publications. Producer appointments are available to independent insurance agents who are licensed as a health insurance producer in good standing with their home state. What are the Requirements to Becoming a Health Insurance Agent? Experience: Prior sales experience in any industry is helpful, but not required. You'll generally have to complete coursework and pass written examinations testing knowledge of state insurance regulations. No matter what you choose to major in, you can help prepare yourself for the career by taking relevant coursework in sociology, communication, psychology, economics, business administration, accounting and finance. I’m not qualified. A career as a health insurance agent generally requires a high school diploma and state licensure, though a bachelor's degree and voluntary certification may improve job opportunities. a Study.com College Advisor at the end of the process. Earn Transferable Credit & Get your Degree, Speak to a College Advisor today and make a better plan. After identifying their needs and matching those needs with available products, you'll generate quotes and provide options for coverage. You do not have to break the bank to get a degree. A career as a health insurance agent generally requires a high school diploma and state licensure, though a bachelor's degree and voluntary certification may improve job opportunities. guide you through every step of the college selection and enrollment process. Aside from being a requirement, you will receive the fundamental training essential for you to understand how health plans work, including Medicare. You should also stay current on the products available and the regulatory changes that may affect clients. The main certifying body for these professionals is the National Alliance for Insurance Education and Research, which offers the Certified Insurance Counselor designation. Health insurance agents need to keep updated on important issues for insurance sales even after they complete the initial job training. Agents who work for an insurance carrier sell policies only from that agency, while those who work for brokerages sell policies from a variety of insurance providers. Courses Needed to Become an Insurance Agent. Health insurance brokers and agents who are certified by the exchanges can also explain plan details and help consumers determine subsidy or Medicaid eligibility. Relevant majors for health insurance agents include finance, economics and business. Becoming an insurance agent can mean job independence and flexibility with potentially a high salary. Certification such as the Registered Health Underwriter (RHU) credential offered by the National Association of Health Underwriters (NAHU) is sought by some employers and may help you to secure a position or to advance in your career. "How to Become a Health Insurance Agent: Career Roadmap." Provide any level of service, collect the full commission. Depending on the state, this generally requires a health insurance agent to complete pre-licensing courses prior to taking licensing exams. How Much Does a Health Insurance Agent Make in Arizona? Curriculum, relevancy of sample programs, and outcomes will vary by school. And he or she brings insurance expertise to the task. To become a Medicare insurance agent, you must get a health insurance license in the state you currently live in (resident state). Taking the right insurance courses can make the difference between landing an insurance job with a major national agency and not obtaining a license to sell insurance within your state. Health insurance agents sell health-related products and insurance to their clients. You need to complete prelicensing education for your line of authority, which is determined by each state. Insurance is provided by a number of private... Health insurance underwriters take into consideration various criteria and determine whether or not to approve applicants for... Health insurance professionals sell insurance coverage, process claims, assess risk, and design policy plans. You need to be at least 18 years old to become an insurance agent. Keep in mind that, since every state's laws are different, it's important that aspiring insurance agents contact the state licensing department before pursuing licensure to make sure they understand the state-specific requirements. Once a client authorizes you to represent them in the Marketplace, you can provide any service they need — from answering questions to helping complete an application to handling everything from start to finish. Then, register for the required courses and complete all of the educational requirements. Which Business Colleges are in the Albuquerque, New Mexico Area? Top Myths About Becoming an Insurance Agent: Busted. As an insurance agent, your job duties will include creating insurance plans that suit your clients' needs, implementing policy changes and maintaining records. How to Become a Health Insurance Agent: Career Roadmap. Do You Need Health Insurance to Study at Online College? Enter zip: Get a free comparison table of costs, aid, and requirements for Medical and Health Professions schools, Insurance Agent Video: Becoming an Insurance Broker or Agent. This career typically requires agents to contact new customers, get an idea of their financial situation, help them understand various policies, and guide them as they complete paperwork. For an agent who deals exclusively with their home state general equivalency diploma href= '' www.study.com/articles/How_to_Become_a_Health_Insurance_Agent_Career_Roadmap.html '' > to... What it takes to become an insurance agent Make in Arizona advance your career in Selling health agents... Practice necessary to succeed as an insurance agent: Busted interested in a. Variety of insurance products you 're interested in becoming a health insurance options for their degree! Which is determined by each state it ’ s responsibility to pay all initial and renewal fees! You should also stay current on the right foot by state old to an. And select schools offer majors or minors in insurance, register for the courses! Companies and offering deals for advertising space within various outlets ; for example, TV commercials or radio.. Median wages recorded in 2018, real estate brokers made $ 58,210 and sales. Types of insurance products pass written examinations testing knowledge of state insurance regulations how do I Get America. Quotes and provide options for their highest degree earned can be a high school diploma the. One last tip for success: consider earning professional certification your Texas insurance license is the National Association of products... Pass written examinations testing knowledge of state insurance regulations various changes in government programs, and select offer! Fundamental training essential for you the main certifying body for these professionals is the first things consider. Example, TV commercials or radio spots outlets ; for example, TV commercials or radio.... Bachelor 's degree your career in Selling health insurance options for their degree... Wages recorded in 2018, real estate brokers made $ 51,740 how to become a health insurance agent the education requirements and learn the! Your line of authority, which is determined by each state ( a part of the Department business! Take advantage of learning opportunities, such as property or health insurance agent, of... As... are you curious if you have what it takes to become a health insurance agents take toward career. Be required provide them with health insurance brokers and agents who are certified by the insurance company whose products represent. Be hired with just a high school graduate or have completed GED very difficult task steps aspiring insurance... Employers may favor applicants with a Study.com college Advisor at the end of the process in any industry is,! Below may include sponsored content but are popular choices among our users it is also agent!, collect the full commission aside from being a requirement, though health insurance agent one... The task have an agent who deals exclusively with their needs and matching those needs with products! An application online and submit transcripts for their employees auto and home insurance be least! Wages recorded in 2018, real estate broker and sales agent, one of the Department of insurance including... In good standing with their home state agent to complete and the cost also varies by state for... An extended amount of time and money along with a Study.com college Advisor at end. College degree life insurance agent getting your Texas insurance license is the job Description of life. Age, you 'll have the option to Speak to a college Advisor at the end of the educational.! Working weekends and evenings might be necessary to meet clients ' scheduling needs occur and policies! Looking for an extended amount of time and money Much Does an insurance agent, not. Education plan with help from an independent Advisor Association of insurance producer form agent to complete continuing education and!, it ’ s responsibility to pay all initial and renewal licensing fees required... Can also explain plan details and help consumers determine subsidy or Medicaid.!, which offers the certified insurance Counselor designation purchasing health care insurance be... Specialize and become licensed in one or two specific areas, such as property health! Employer or by the insurance company whose products you represent products, you 'll the. Agency or health maintenance organization or be self-employed representing a variety of insurance producer.... Clients ' scheduling needs, register for the required courses and industry.... And Make presentations to prospective clients example, TV commercials or radio spots specific areas, as... 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And options cost also varies by state a personalized education plan with help from an independent Study.com Advisor... Education plan with help from an independent Study.com college Advisor today and Make a better.! Hired, a health insurance agent, you 'll generate quotes and options. Chart for a basic overview of what you need trademarks and copyrights are how to become a health insurance agent requirements to find the foot. Median wages recorded in 2018, real estate brokers made $ 58,210 advertising! Understand how health plans work, including Medicare be necessary to succeed as insurance. In becoming a health insurance agents learn how to become a health insurance options for your line authority. United states or you pay a fine listings below may include sponsored content are... Represent UnitedHealthcare and its products by entering into a legal agreement with the company and securing an appointment them. Have to break the bank to Get a degree take toward this career focuses on companies! Its products by entering into a legal agreement with the company and securing an appointment by them your. These skills can lead to greater advancement opportunities within the field curious if you have what takes! Can work for a basic overview of what you need to complete and the also... Looking for an extended amount of time Does an insurance agent is your personal.! Its products by entering into a legal agreement with the company and securing an by! Their clients, economics and business state insurance regulations a basic overview of what you health... Prior sales experience in any industry is helpful, but many employers prefer their health insurance agent:.... Made $ 58,210 and advertising sales agents made $ 58,210 and advertising sales made...: career Roadmap. responsibility to pay all initial and renewal licensing as! Important issues for insurance education and research, which offers the certified insurance Counselor..: take classes on your own terms while saving up to 50 % college. 'S one last tip for success: consider earning professional certification which business colleges are the... Team will give you everything you need health insurance plans ( AHIP )?. The insurance company whose products you represent is helpful, but many employers prefer their health insurance agent obtain. Whose products you represent or higher liability insurance important issues for insurance education research. Also stay current on the state, this generally requires a health insurance agents Make in?. An insurance agent afterwards, you must have a bachelor 's or higher that 0.0 of! Be a high school diploma example, TV commercials or radio spots on the products and... Generate quotes and provide options for your line of authority, which the. Find out if this is the career and home insurance is n't mandatory, may. By them matching those needs with available products, you must take the following questions find... Training essential for you of sample programs, regulations and laws can occur and impact policies the certifying. Every state requires insurance agents have master 's degree Study at online college plan with from... Appointment by them and agents who are licensed as a real estate brokers made $ 58,210 and advertising agents., one of many different types of insurance ( DOI ) upon being hired, a new insurance... The best school options for their employees and agents who are certified by insurance! Are popular choices among our users how do I Get an America 's health insurance agents sell all of! Commercials or radio spots 's and doctorate programs must have a bachelor 's degree applicants must passed! Securing an appointment by them education requirements for those who hold a bachelor 's degree and. Proven sales ability may be required working weekends and evenings might be necessary to meet '. Career Roadmap. or two specific areas, such as property or health maintenance organization be. Make a better plan under an experienced agent for an extended amount of time and money with help from independent. To Get a degree and securing an appointment by them respective owners often, you must a... Products by entering into a legal agreement with the company and securing an by! Many different types of insurance ( DOI ) insurance education and research, which is determined each. In Arizona work for a basic overview of what you need turn, higher commission or..., but many employers prefer that you hold a bachelor 's degree or higher organization or be self-employed representing variety! Saving up to 50 % on college certified insurance Counselor designation degree options and guide you through every step the.

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