Finding Employees For Insurance Industry Jobs

Finding the right employee for any job opening can be a challenge to say the least, and this is no truer than in the insurance industry. With considerations ranging from experience and education to their personal skills, the decisions faced by recruiters and employers can be of critical importance.

When hiring employees for insurance industry jobs it is important to take many factors into account. Summarized, these factors include:

1. Education & Certification

2. Experience

3. Personal Skills

Education & Certification

Obviously one of the first criteria you will be looking for in a candidate will be their education. Whether the employee is applying for a one of your insurance sales jobs, customer service, risk management or some other position you will want to make sure that their education matches the criteria of the job. With this in mind an employer will often find him/herself in a position when multiple candidates are well educated and/or certified. While it may take additional time, looking into the schools themselves may yield significant differences.

A certificate from the “University of Phoenix Online” is worth significantly less than the same certificate from an accredited educational institution but unless you look into the credentials you may be tempted to consider them all equal.

While education cannot be considered the end-all-be-all of hiring any qualified candidate, a solid education from an accredited institution reflects more than a knowledge of the industry – it also reflects the job applicant’s ability to write and present ideas clearly and also to stick with something they have started.

And isn’t that a key feature in a candidate, whether the education is necessary in their job function or not?

Experience

This is perhaps the most important factor in filling jobs in the insurance industry (or any industry for that matter). What you should be reading into their experience is not simply the number of years they have worked in the same or similar roles however. While experience in a specific field lends itself to a strong understanding of the ins-and-outs of it can also have its downside that must be taken into account.

The value of experience in the insurance industry comes primarily from the reduced training that will be necessary to get the employee functioning. Knowing how to perform a specific function, especially a complex function such as risk management or loss control, can save a company countless dollars in training.

The downside in experience that must be considered is that an employee may not fully understand the processes and procedures unique to your insurance company. No two companies perform all their tasks the same way and an employee who has performed a specific role for one company may assume (incorrectly) that you do or should do it the same way. This can lead to bottlenecks and sometimes even conflict.

An additional drawback to experience that must be addressed when filling insurance jobs is the knowledge that the prospective employee has worked in insurance industry jobs and has chosen to leave an employer. The last thing you want is to fill one of your vacant jobs with an employee who has a history of leaving related positions.

Both of these drawbacks can be addressed with a few simple questions of the employee and to past employers.

Personal Skills

Personal skills are arguably one of the most important criteria when filling insurance industry jobs. While the importance of personal skill is obvious when hiring for insurance agent jobs, these skills are equally important when considering employees for administration and more technical positions as well. While these people may not necessary be dealing with the public on a regular basis they will play a key roll in developing a productive work environment.

Although the primary objective in any businesses is to insure profitability, developing an enjoyable work environment in which the various parties can communicate leads to new ideas, higher productivity due to a willingness of all employees to work together, and perhaps most importantly – a lower employee turnover rate.

For some insurance jobs, personal skills are more important than others however for every position they should be considered. You may even want to consider having the current staff who will be working closely with the new employee meet during the interview process and provide feedback. If your staff work well together their productivity will naturally increase.

Conclusion

While every company and position within that company is different, as long as the above three areas are considered when hiring for any of the various insurance industry jobs available, you as the employer are far more likely to foster a positive, productive and in the end, more profitable company. You will end up with a staff that is properly educated, has good experience if applicable, and works well together. Like any well-oiled machine – this is the recipe for success when filling insurance related jobs.

Insurance Sales Jobs – Which One is the Best?

With the plethora of insurance options out there it can be very overwhelming when trying to determine which type of insurance career might be the best for you. Of course everyone is familiar with life insurance and car insurance. Just open the Yellow Pages and you will find page after page of agents willing to sell you these popular policies.

If you are considering insurance as a career, I suggest you look at some different options. The fastest growing segment of the insurance industry is the voluntary benefits segment. As other segments of the insurance market and the economy as a whole remain steady or decline, voluntary benefits continue to grow at double digit rates.

Voluntary benefits are typically sold through employers. The employer agrees to offer voluntary benefits to their employees at no cost to the employer. Then the VB provider makes presentations to each employee to determine what insurance policies they would like buy through payroll deduction. Examples of VB products would be short – term disability, term life, limited medical, and cancer insurance.

The great thing about this form of insurance sales is that the employer doesn’t pay anything out of pocket like they do many times with group health insurance. In fact many times the company will save on their FICA taxes and their workman’s compensation costs. The cost of VB products are deducted from the employee’s paychecks before taxes are taken out. The short term disability product will often make workman’s comp claims go down. Another advantage to this approach is that employees have been found to prefer to buy their insurance through their employers. They feel the company has vetted the VB provider and trust their recommendation. Also, it simplifies their life with payroll deduction so there is no need to write an additional check every month for another bill.

The first sales position in this industry is the opener or direct sales rep. They sell the employer’s on allowing them to come in and offer their products to the employees to complement the benefits the company already offers like vacation, 401k, and major medical. The commissions for this position are very generous. Most companies tend to load up the incentives for signing up a lot of cases. As a first year rep, you will be encouraged to pursue companies with less than 100 employees. They are easier to sell and you can get a decision more quickly. I interviewed with a VB provider a few months ago and they had 1st year openers making over $160K.

The secondary sales position is the enroller position. The enroller makes the one on one sales presentation to the employee after the opener gets the go ahead to offer their VB products to the company. The enrollers can make good money (though they don’t make as much as openers) depending on the number of cases they have to work on. They are somewhat dependent on the openers to generate the cases. Some companies like Aflac will combine the opener and enroller positions so if you sign on with Aflac you would do both roles.

Aflac is the largest VB provider in the country. They are almost always hiring. The turnover can be high because it is a straight commission opportunity as most insurance sales jobs. If you get out there and generate the activity you will see the results.

General Insurance Agencies – Campus Recruiters Destroy Insurance Sales Jobs

Too bad that career general insurance agencies hire campus recruiters to deceptively persuade students to enter insurance sales jobs. The recruiters scouting the college campus are ignorant of the reality that awaits people they lure in. The general insurance agencies managers carry the blame and the hefty profits. Find out more.

College campuses are the biggest moneymakers that career general insurance agencies could have nearby. The agency goes out of its way to target students soon to become college graduates. This is where the use of insurance campus recruiters comes into effect.

The career life agency hires in a few Ken and Barbie looking people with no insurance experience background to be their campus recruiters. These are people that can memorize a canned script and make it sound oh so real, truthful, and enticing. Plus since they themselves never know how hard insurance sales jobs really are, they are unable to distinguish between truth and fantasy. Insurance campus recruiters are also hired on the basis on how well they can smile and sell prospective agents on the extremely exceptional benefits only their general insurance agencies can provide.

The campus recruiter attends every campus recruiting day, job fair, business expo, they can find. The general insurance agencies also sponsor lavish recruiting events. The goal is to make career insurance sales jobs appear far superior to any offer by any other company in the area could offer. Lies and deceit are the 2 main ways to fight off their competitors’ guaranteed benefits and incomes. Since bonuses figure into recruiting, the insurance company campus recruiters start stretching the truth as far as they need.

The term “life insurance agent sales job” quickly turns into “fast advancing financial planner”. As far as initial income, the career agency is able to pay an income subsidy of say $3,000 monthly. This is almost presented as a short term base salary without little or no mention of production requirements.

At an interview appointment, Ken or Barbie pumps hefty doses of sweet visions though the student’s mind until the sweet aroma of money is tickling the nostrils. Once the student is mesmerized enough, the campus insurance recruiter goes in for the kill. Where else can the student lock in a position, and pass the state insurance licensed before graduating?

QUESTIONABLE PRACTICES: Why did the college campus recruiter usually have 100% authority to hire the student to become an agent?. Why was the prospect’s financial history not looked into before hiring? Are there any study loans to pay off?. Can the student feel comfortable to sell financial wealthy business people? How does the campus recruiter even know if the prospect can actually sell?

THE RESULTS. 70% of campus recruited agents are working elsewhere after only 12 months. This zooms to 84% at 18 months, and crashes at 90% around the fourth year mark. THE ONLY WINNER, and a big time winner at that are the career life general insurance agencies and company headquarters. When an agent leaves, usually due to not making enough money, the hawks swoop in. Automatically all remainder first learn premiums plus all future renewal payments are locked into the insurance company hands. Just for a dose of injustice, take the profits off one agent and multiply it by 50. So what if the insurance campus recruiters did not do well for the agents hired in… the insurance agency is thrilled if the agent writes enough policies before moving on.

The Steps to Finding The Right Insurance Sales Jobs

Are you a great talker? Can you convince people? Well, then a sales job in insurance is just the thing for you.

Insurance is a field of business that never dies down. No matter what happens, people are always looking for an insurance policy and with the tight amount of dedication, you can become a great insurance agent in no time at all.

But there are various steps involved in landing the right insurance sales jobs. You need to pass an insurance licensing examination in order to be eligible for an insurance sales job.

Almost all states in America have a department of Insurance that deals with candidates who have the necessary licensing requirements. Once you have the necessary license you will be easily eligible to land a job with one of the best insurance companies.

Contact

The first and the most important step would be to get in touch with the department of insurance for your state. Each state has different requirement when it comes to licensing.

Secondly, there are some states which have different requirements according to the line of insurance which you wish to sell, for example, health, property, life or casualty. There might be requirements like classes etc for completing the licensing examinations. Once you pass the necessary exams, you can now sell insurance.

The company

There is no better place to start looking for the best insurance sales jobs than the World Wide Web. Log on to some of the job portals and shortlist a few companies that you would like to work for.

Send your updated resume which has details about your passing exam to all the companies that you have short listed.

Are Insurance Sales Jobs Right For You?

The Future in The Insurance Sales Business

The first contact a person has with an insurance agency is in the shape of an insurance sales agent. People who opt for insurance sales jobs help out people and their families and business community to choose insurance policies appropriate for the safety of the individuals live, health and property. Producer is another name given to the insurance sales agent in the field of insurance.

These agents go out to convince people to buy their various insurance policies such as in case of any mishap to them, their health, any kind of handicap and long term care. The policies which protect an individual or business from monetary loss in case of accident, robbery, natural disaster or any other event are sold by property and casualty insurance agents. It can also cover compensation for any worker’s injury, product liability claim or malpractice in the field of medicine.

The insurance sales jobs have many categories. The insurance agents who sell life policies that pay the beneficiaries, in case of the death of the policy holder. A cash value policy can also be prepared by the insurance agents, keeping in view the policy holder’s state of affairs to set up funds to educate the children and other benefits as well. Pension policy, which promises a retirement income, is also sold by the life insurance agents.

Then there are health insurance agents selling out insurance policy which covers the expenditure of medical care and compensate in case of one loses income because of illness or injury. These agents also sell policies, which are long as well as short term for disabilities and also dental insurance. Insurance sales agent might be specialized in any one of these fields of expertise or can also work in general, providing multiple policies to a single client.

A large number of insurance sales agents put forward their customer’s suggestions to lower the risk factor and a through monetary plan especially to those who are near the age of retirement. The services rendered are;
Retirement planning

Estate planning

Assistance in setting up pension plans for business

This has resulted in a large number of insurance agents drawn in “cross selling” and “total account development”. These agents not only sell insurance but also get licensed to deal in mutual funds, pension programs and other securities. It is a common practice among agents who sell life insurance policies, now also been taken by agents selling property and casualty policies.

As in all other fields, the internet is playing a major role in insurance business as well. The internet has made the process of application not only fast but easy as well. Through the internet both the agent and the client have benefited. The agents as they take on more customers and the clients have a large number of offers from which they have to choose now. If one has chosen insurance sales jobs as his career then he realized to develop skills to satisfy his customers as this will get him references for more clients.

How To Make Money Using an Udemy Online Teaching Course

A few decades ago, it was hard to find a good teacher. The only option that you had was to look for one in your area because the Internet was not available at that time. Nowadays, the internet has made it a lot easier to learn from the comfort of home. If you have been thinking of taking a certain course to hone your skills, we suggest that you check out Udemy. Let’s find out how people make money on Udemy by launching courses through websites. Read on to know more.

What Is Udemy?

Basically, this platform brings both students and teachers together. As a matter of fact, Udemy is one of the top platforms for online courses. It offers a lot of free tools and support for instructors to develop courses and make money from them.

Udemy allows anyone to create a course and offer it to everyone across the globe through its platform. Nowadays, the platform has more than 15 million students from more than 190 countries. Moreover, it has courses in more than 80 languages.

Launching a Course

If you want to submit a course on Udemy, you may want to follow the steps below. We will talk about each step in detail so you can get started without any problem.

Sign up

First of all, you may want to go to the home page of Udemy and sign up for an account, which will cost you nothing. As soon as you have signed up, you can access tons of free as well as paid courses.

Course creation

After signing up, you can hit the “Teaching” button. The “Create a course” button will show up that you can press to create a course and become a tutor.

Udemy revenue model

For course creation, Udemy won’t charge you any fee. On the other hand, for selling, you do have to consider the revenue model offered by the platform. Let’s find out more about the revenue model.

Instructor promotion

After a lead generation, the entire revenue goes to the course instructor. For instance, if a lead is generated through the coupon code given by the course creator, the instructor will get the revenue.

Organic traffic

If the course buyer comes to the platform through organic traffic, 50% of the revenue will go to the course creator. And the rest will go to the website. So, there is a lot of money to be made even if you don’t use other means to get the word about your courses.

Other revenue sharing model

This revenue sharing ratio can be between 25% and 97%. Actually, the ratio is based on the fact whether the customer comes to the platform via deals, ads or affiliates. So, based on these factors, the revenue can be more or less.

Resources for Udemy

Udemy helps you throughout the process. Whether you are going to create a course or you want to promote, the platform has resources for you. Udemy offers tons of free resources that help you make your course a success. As a matter of fact, the free resources on this platform are on the list of the best advantages of Udemy, as they help you make money from your course without too much struggle.

So, if you have been thinking of creating a course and publishing it on Udemy, we suggest that you take into account the advice given in this article. Just make sure your course is interesting and it can help your students learn new things. And that’s all you need in order to sell your courses and make a lot of money.

Ideal Solutions To Success Online

If you have ever spent time looking for ideal solutions to success online, you could find yourself very frustrated. You found that there are basic ways to succeed in this line of work. You know that online work isn’t hard, physical labor. Working online is easy in that there isn’t a lot of physical work involved. People who work hard as builders, factory workers, office personnel and in administration, must work hard and produce good results or they no longer have a job. Online work isn’t hard physically. However, it takes tenacity, perseverance, and a little knowledge to be successful. Perhaps herein lies part of your annoyance. Let’s look at some things that bring frustration into your ideal online performance. The items are not listed in any particular order of difficulty or ordered frustration levels.

Number 1, Building a Website

The number one thing that frustrates many people and keeps them from being successful online is building a website. This one thing kept me from being successful online years ago. When you find the right training building a website can be really easy. You don’t have to know HTML to build one today. You can learn how to make a website at certain locations on the Internet. There are places where you can learn how to make a free website.

Number 2, Finding a Domain Name

The best way to relieve frustration from finding a domain name is to first find the niche you want to promote. The name of your site needs to match the niche you have chosen. So, the way you keep this from being frustrating is to identify your niche, and then write a list of 10 to 15 names that describe your niche. It’s like choosing a title for a book, the title must tell what the book is about. Same with your domain name. It must tell what your niche is about. I prefer to stick with a .com. It’s just a personal preference that you don’t have to adhere to.

Number 3, Getting Site Ready

Until you learn, getting your site ready for search engine optimization can be really frustrating. Actually, it can be next to impossible if you don’t have the proper training. Again, I have a page for you to review that explains the ins and outs of preparing your site for SEO. Again, you can write articles, use social media such as Facebook, Twitter and Pinterest. The big question you need to ask is, “Where are you going to get the training and knowledge on how to make these ideas work for you?”

Number 4, Getting Traffic

The number one goal for any marketing site is to drive traffic to it. There are many ways to do this, but the only way I choose to do this is by writing good content for my website. What if you can’t write, or at least you think you can’t? Many sites offer training on how to write.The training on a few sites is phenomenal. Every bit of the training is to help you build a site, monetize it and then drive traffic to it. You can learn so many ideas on what to write that you will never run out of something to write about. Getting traffic is almost done for you. All you have to do is follow directions.

Number 5, Training

Before I found a helpful site, training was my nemesis. The lack of training defeated me every time and cost me money. The training I have gotten has given me a handle on success. I have learned how to succeed because I have been trained well. Following are a few things I have been able to find online:

Certification Courses: 5 Levels

1. Getting Started

2. Build Your own Traffic Producing Website

3. Making Money!

4. Mastering Social Engagement

5. Achieving Maximum Success Through Content Creation

Each level has several courses and the training available to make you successful! I repeated most of the lessons. Some were simple but needed more exploring. Others were new to me and my then limited expertise. I can’t believe how much knowledge is packed into these lessons. Yet the progress from one step to the next is given in easy steps for those who aren’t technologically proficient when they begin the courses.

You Get All the Training

Every site that I tried before this would promise they could teach me how to be successful. What they taught me was that I needed to hire a group of professional online gurus to help me build a successful online business. I paid good money to learn this, too. Their ads said that even a monkey could learn how to use their program. I guess that I’m not as smart as a monkey because I couldn’t begin to understand what they were trying to teach me. “You’ll never believe how easy it is to make money online,” their ads read. I learned the hard way, out of pocketbook hard way, that paper will lie still and let you write anything on it. At least the paper they wrote on did! I was never able to follow more than the first couple steps. Not nearly enough to learn anything. However, all that has changed now. Since I found this site, I have learned how to be successful online. All I’ve done since I’ve been here is grow and grow. That’s where I am. That was what I was looking for in the first place. Can I tell you that I found a place where you can work at your pace, make the amount of money you want to make, and work when and where you want to.

Work for Yourself

The best boss you will ever have is YOU. Working for yourself online doesn’t require lots of energy. You don’t have to have a specific location where you go to work. With today’s technological advances, you can work from nearly anywhere. I prefer to work at home with my family nearby. That’s where you can find yourself, too. Are you ready for the change? Are you ready to be your own boss? Then don’t wait! Visit me to begin today!