NSXNational Skills ExchangeSign in
Back to Framework

Insurance Sales Agents

SOC 41-3021.00Job Zone 4 · Considerable Preparationv.26.05

Context coveredThis framework covers insurance sales agency environments where agents sell, customize, and service personal and commercial insurance policies across multiple lines, operating under varying degrees of oversight from entry-level practice through executive agency leadership.

Sources:O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.SkillsCrosswalkSkillsCrosswalk — O*NET enrichment + adjacency index. Opens in new tab.
Emerging
Entry / Apprentice
  1. Standard insurance policy types — identify and describe key features, advantages, and disadvantages to prospective clients under supervisor guidance in a retail or agency setting.
  2. Client intake interviews — conduct structured data-gathering sessions to collect financial resources, physical condition of property, and existing coverage details under direct oversight.
  3. CRM software — enter and maintain basic client records, policy details, and follow-up tasks as directed within an agency's customer relationship management system.
  4. Insurance program options — match pre-approved policy templates to individual customer profiles using standardized criteria provided by agency supervisors.
  5. Policy documentation — process routine administrative tasks such as filing new applications and handling straightforward policy renewals with close managerial review.
  6. Networking and prospecting lists — assist in generating leads by compiling referral contacts and publicly available directories under the direction of experienced agents.
  7. Claims information — relay initial client-reported claim details to the appropriate internal team, following established agency protocols and scripted communication guides.
  8. Regulatory and compliance basics — recognize state licensing requirements and ethical sales standards applicable to insurance sales in a supervised agency environment.
  9. Video conferencing and instant messaging tools — participate in virtual client meetings and internal team communications using agency-approved digital platforms.
  10. Active listening techniques — apply structured listening protocols during client consultations to accurately capture needs and relay information to senior agents for policy recommendations.
Developing
Mid-level / Established
  1. Automobile, life, property, and health insurance policies — sell a broad portfolio of products to individuals and small businesses with limited supervisory oversight in a competitive agency environment.
  2. Client needs assessments — conduct independent interviews with prospective clients to evaluate financial resources, risk exposure, and gaps in existing coverage across routine case types.
  3. Customized insurance programs — adapt standard policy structures to suit individual client circumstances, including bundling multiple coverage types to address varied risk profiles.
  4. Policy renewal outreach — proactively contact existing policyholders to review current coverage, suggest additions or beneficiary changes, and strengthen long-term client relationships.
  5. CRM and document management software — maintain accurate, up-to-date client records, renewal schedules, and correspondence logs with minimal administrative supervision.
  6. Persuasive policy presentations — deliver clear, tailored explanations of policy features and pricing to prospects, addressing objections and advancing the sales cycle independently.
  7. Claims consultation support — confer with clients during the claims process to gather necessary information, explain coverage applicability, and coordinate with internal claims teams.
  8. Prospecting and client development — build a growing book of business through referral networks, community outreach, and targeted cold-contact strategies in an assigned territory.
  9. Time management across a client pipeline — prioritize daily sales activities, follow-up calls, and administrative duties to meet monthly production targets in a high-volume agency setting.
  10. Financial analysis software — use agency-provided tools to assess client financial profiles and generate comparative coverage illustrations for routine insurance sales conversations.
Proficient
Senior / Expert IC
  1. Complex and specialized insurance programs — design customized coverage solutions across multiple lines including marine, farm/crop, and medical malpractice for high-value commercial and individual clients autonomously.
  2. Full-cycle client relationship management — independently manage all phases from prospecting and needs analysis through policy issuance, renewal, and claims support across a substantial book of business.
  3. Non-routine risk assessments — evaluate unusual or high-complexity client risk profiles using deductive and inductive reasoning to recommend appropriate coverage structures without supervisory input.
  4. Cross-sell and upsell strategies — analyze existing policyholder accounts to identify coverage gaps and proactively present targeted recommendations that increase client retention and revenue.
  5. Negotiation with carriers and clients — lead coverage and premium negotiations between insurance providers and business clients, balancing client needs with underwriting requirements in competitive markets.
  6. Regulatory compliance and law — apply working knowledge of insurance law, state regulations, and government mandates to ensure all policy recommendations and sales practices remain fully compliant.
  7. Advanced prospecting methodologies — develop and execute multi-channel client acquisition campaigns using digital platforms, referral programs, and strategic community partnerships to grow market share.
  8. Claims advocacy and coordination — guide clients through complex claims processes, interpreting policy language, liaising with adjusters, and protecting client interests from initial report through resolution.
  9. Written client communications — produce clear, accurate, and persuasive policy proposals, coverage summaries, and correspondence that reflect a sophisticated understanding of client needs and product options.
  10. Enterprise and CRM systems integration — leverage ERP and CRM platforms to generate business intelligence reports, track sales performance metrics, and optimize pipeline management across a full client portfolio.
Advanced
Lead / Principal / Executive
  1. Agency sales strategy — set organizational sales direction, define target market priorities, and establish production goals that align with carrier relationships and regional growth objectives.
  2. Team development and coaching — design and deliver training programs for emerging and developing agents, building technical product knowledge and consultative sales skills across the agency workforce.
  3. Enterprise-level insurance portfolio design — architect comprehensive multi-line insurance programs for large commercial clients, incorporating risk management principles and long-term coverage strategy at organizational scale.
  4. Market intelligence and competitive positioning — analyze industry trends, carrier product changes, and competitor offerings to shape agency value proposition and inform strategic product mix decisions.
  5. Carrier and wholesale broker partnerships — cultivate and manage executive-level relationships with insurance carriers and wholesale brokers to secure preferred pricing, expanded product access, and co-marketing opportunities.
  6. Regulatory and compliance leadership — serve as the agency authority on evolving insurance law, licensing requirements, and ethical standards, establishing internal policies that ensure organization-wide compliance.
  7. Technology adoption and innovation — evaluate, select, and implement CRM, financial analysis, and digital communication platforms that enhance agency productivity, data quality, and client experience at scale.
  8. Revenue and profitability oversight — monitor agency financial performance, loss ratios, and retention rates, intervening with strategic adjustments to pricing approach, product focus, or staffing to meet targets.
  9. Brand and community authority — represent the agency as a thought leader through speaking engagements, digital content creation, and professional association leadership to strengthen market reputation and referral networks.
  10. Talent acquisition and succession planning — identify, recruit, and develop high-potential sales professionals to build organizational depth and ensure continuity of agency leadership and client relationships.

AI-at-Work Competency Framework

Sources:Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab.Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab.WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab.
Subscriber feature

Authoritative source data identified for 998 occupations

How a worker at each mastery level uses, directs, and evaluates AI tools in this occupation. Each statement cites its evidence inline; click a citation chip to verify the source.

Emerging
  1. AI-assisted policy summaries — uses AI-generated overviews of standard insurance products to build foundational product knowledge before client conversations, while relying on a supervisor or experienced agent to verify accuracy before presenting to prospects Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab..
  2. Administrative task offloading — delegates routine record-keeping and renewal reminder drafts to an AI tool, then manually confirms each output against the carrier's system before filing Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab..
Developing
  1. Prospect list generation — directs an AI assistant to compile and segment lead lists from provided data sources, then applies personal judgment to prioritize outreach based on local market knowledge Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab. WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab..
  2. Policy comparison drafting — prompts an AI tool to produce side-by-side comparisons of competing policy terms, then reviews the output for accuracy before sharing with clients to support the sales conversation Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab..
  3. Client communication drafting — uses AI to generate first-draft emails and follow-up messages tailored to individual client situations, editing tone and detail to match the agent's established relationship with each contact Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab..
Proficient
  1. Customized coverage proposals — orchestrates AI to synthesize client risk profiles, coverage gaps, and carrier options into a tailored proposal document, retaining all final underwriting and suitability judgments Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab. Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab..
  2. Objection-response preparation — uses AI to generate structured rebuttals to common coverage objections, then selects and refines the arguments that align with the specific client's priorities and communication style WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab..
  3. Renewal and cross-sell workflow automation — configures AI-assisted workflows to flag at-risk renewals and surface cross-sell opportunities from the book of business, personally validating every recommendation before client contact Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab..
  4. Regulatory and compliance reading — routes dense policy language and state filing documents to an AI reading-comprehension tool to extract key obligations, then critically evaluates the summary before acting on it Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab. WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab..
Advanced
  1. End-to-end client lifecycle direction — leads the design of an AI-augmented sales process covering prospecting, needs analysis, proposal generation, and renewal management, setting quality checkpoints at each stage while preserving human accountability for all binding decisions Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab. Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab..
  2. AI output auditing and team governance — establishes evaluation criteria for AI-generated policy recommendations and client communications across a team, identifying systematic errors and retraining prompts to maintain accuracy and compliance standards Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab. WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab..
  3. Complex risk customization — deploys AI to model multi-line or specialty-risk scenarios (e.g., marine, crop, malpractice) and synthesize carrier data into bespoke program structures, then applies expert judgment to validate coverage architecture and present the rationale persuasively to sophisticated clients Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab. WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab..
Evidence pack
AEI usage
Task observations: 1029
Augment share: 95%
Time saved: 87.6%
AI autonomy: 3.06
SAFI positioning
Top skill: Reading Comprehension
Score: 45.5 / 100
Quadrant: Q2_ai_augmented
precision: exact
WEF cluster
Human-Technology Interaction
human_technology_interaction
Sources:Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab.WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab.Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab.

Pathsmith Durable Skills Framework

Sources:Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Subscriber feature

Ten durable-skill domains mapped to four proficiency/role levels for each occupation. Each statement is aligned to the Pathsmith taxonomy, derived from trusted grounding data and mapped to occupation-specific O*NET tasks and skills.

1Communication11 statements
Emerging
  1. Policy terminology explanation — introduces basic insurance concepts and coverage types to prospective clients using plain language during initial consultations Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Client intake dialogue — asks foundational questions about financial resources and property conditions during prospect interviews to begin needs assessment O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Coverage comparison narrative — articulates features, advantages, and disadvantages of competing policy options to clients weighing multiple plans Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Claims communication — conveys procedural steps and required documentation to policyholders initiating claims in a clear, reassuring manner O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  3. Written correspondence — drafts policy summaries, follow-up emails, and renewal notices with accurate terminology and professional tone Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Needs-based consultative dialogue — conducts structured client interviews that surface risk exposures, financial constraints, and coverage gaps, then tailors the conversation to individual circumstances Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Multi-audience presentation — adjusts technical insurance language for business owners, individual consumers, and legal or financial stakeholders depending on context and literacy level Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  3. Active listening in policy review — identifies unstated concerns and coverage misunderstandings during renewal calls by probing beyond stated responses and reflecting client language back accurately Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Complex risk narrative — constructs compelling, data-supported presentations for commercial clients covering multi-line policies, liability exposures, and regulatory requirements that influence purchasing decisions Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Communication standards mentorship — coaches junior agents on consultative interviewing techniques, objection framing, and policy explanation clarity to elevate team-wide client communication quality Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  3. Cross-channel communication strategy — designs client communication workflows spanning phone, email, and in-person touchpoints that reinforce policy value and reduce lapse rates across the book of business Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
2Leadership9 statements
Emerging
  1. Self-directed prospecting initiative — independently builds initial prospect lists through networking and referral outreach without waiting for leads to be assigned Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Client relationship ownership — takes personal responsibility for follow-through on policy delivery and beneficiary updates for assigned policyholders O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Pipeline accountability — sets weekly prospecting and outreach targets, tracks progress, and self-corrects activity levels to meet production goals Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Peer knowledge sharing — shares effective objection-handling scripts and product knowledge with colleagues to improve team sales outcomes Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Applying
  1. Client portfolio stewardship — proactively manages a book of business by scheduling annual reviews, identifying coverage gaps, and recommending program changes that protect client interests Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Referral network development — cultivates relationships with mortgage brokers, car dealerships, and financial planners to generate consistent lead pipelines, demonstrating market leadership within the agent's niche O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  3. Mentoring new agents — guides onboarding agents through product knowledge application, licensing requirements, and initial client consultation techniques Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Exceeding
  1. Agency growth leadership — drives agency expansion by designing prospecting strategies, establishing accountability systems, and modeling high-conversion sales behaviors that set performance benchmarks for the team Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Industry thought leadership — represents the agency at community and industry events, builds the firm's reputation for expertise, and influences client trust at a market level Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
3Metacognition8 statements
Emerging
  1. Sales call reflection — reviews outcomes of client consultations to identify moments where product explanations or questioning techniques fell short Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Learning gap recognition — identifies specific product lines or regulatory areas where personal knowledge is insufficient and seeks targeted training Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Conversion pattern analysis — examines personal close rates by product type and prospect profile to understand which approaches produce results and which require adjustment Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Feedback integration — incorporates supervisor and peer feedback on presentation style and needs-assessment questioning into subsequent client interactions Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Applying
  1. Consultative strategy calibration — adjusts pre-call preparation depth and questioning frameworks based on self-assessment of past performance with similar client profiles or risk types Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Regulatory knowledge monitoring — tracks personal comprehension of evolving insurance law and government regulations, scheduling study time when legislative changes affect product offerings Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Mastery mapping — maintains a deliberate development plan that identifies advanced competency areas such as commercial lines, estate planning integration, or specialty policies, with measurable milestones and reflection checkpoints Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Teaching as metacognitive practice — uses the act of coaching junior agents on complex policy concepts as a mechanism for deepening and stress-testing one's own product and regulatory understanding Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
4Critical Thinking9 statements
Emerging
  1. Basic risk identification — recognizes common coverage gaps in standard auto, home, or life policy scenarios by comparing client-stated needs against policy provisions Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Policy document interpretation — reads and extracts key terms, exclusions, and conditions from insurance contracts to answer client questions accurately O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Needs vs. coverage gap analysis — evaluates client financial data, property conditions, and existing coverage to identify underinsured or uninsured risk exposures Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Regulatory compliance reasoning — applies knowledge of state insurance law and government regulations to determine which products are permissible and appropriate for specific client situations O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Multi-peril risk assessment — synthesizes information from client interviews, property inspections, and financial disclosures to construct a comprehensive risk profile and recommend a customized multi-line insurance program Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Claims scenario evaluation — analyzes policy language against reported claim circumstances to provide clients with an accurate, evidence-based explanation of likely coverage determinations Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  3. Competing product comparison — objectively weighs premium cost, coverage limits, carrier financial strength, and exclusion language across multiple policy options to recommend the solution best aligned with client risk tolerance Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Complex commercial risk reasoning — evaluates interconnected liability, property, and business interruption exposures for commercial clients, identifying coverage interdependencies and recommending structured programs that address systemic risk Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Assumption challenge in underwriting — questions carrier underwriting decisions or policy exclusions by presenting client-specific evidence that challenges default risk classifications, advocating for accurate and favorable terms Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
5Collaboration8 statements
Emerging
  1. Underwriter coordination — communicates client risk data clearly to underwriting contacts to obtain timely quotes and coverage approvals O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Internal team participation — contributes to agency sales meetings by sharing prospect activity updates and product questions Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Developing
  1. Claims liaison collaboration — works with claims adjusters and policyholders to facilitate accurate information exchange and expedite resolution during active claims O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Referral partner coordination — collaborates with mortgage lenders, auto dealers, and financial advisors to align insurance solutions with concurrent client transactions O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Cross-functional client service — partners with customer service staff, billing teams, and policy administration personnel to deliver seamless policyholder experiences across renewal, endorsement, and claims touchpoints Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Agency team selling — co-develops large commercial accounts with senior agents or specialists, dividing responsibilities by expertise area and maintaining unified client communication Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Collaborative agency process improvement — leads cross-role working groups to redesign client onboarding, renewal workflows, or claims communication processes, incorporating perspectives from service, sales, and compliance staff Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Multi-stakeholder commercial placement — orchestrates collaboration among clients, legal counsel, risk managers, and multiple carriers to structure complex, multi-line commercial insurance programs Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
6Character8 statements
Emerging
  1. Disclosure accuracy — presents policy features, exclusions, and costs honestly to prospective clients without omitting material limitations that could affect purchasing decisions Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Licensing compliance — maintains required state licensure, continuing education credits, and carrier appointments in accordance with regulatory obligations O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Client-centered recommendation — recommends insurance coverage based on assessed client need rather than commission incentive, documenting rationale for product selection Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Administrative accountability — maintains accurate records, policy documentation, and renewal tracking systems with consistency and attention to detail Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Ethical claims handling — advocates for policyholder rights during claims processes while remaining factually accurate and impartial in communications with carriers and adjusters Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Transparent needs assessment — discloses conflicts of interest, carrier appointment limitations, and product constraints to clients before recommending coverage, preserving trust and professional integrity Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Professional standards modeling — demonstrates and enforces ethical sales practices across the agency, addressing misrepresentation or suitability concerns in peer conduct and establishing a culture of client-first integrity Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Regulatory leadership — proactively engages with evolving insurance law and government regulations to ensure agency practices exceed minimum compliance requirements and protect client and firm interests Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
7Creativity8 statements
Emerging
  1. Prospect outreach experimentation — tests new networking channels such as social media, community events, or affinity group partnerships to generate leads beyond standard cold-call methods Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Coverage scenario brainstorming — explores non-obvious insurance solutions for clients with unusual risk profiles by reviewing specialty policy options beyond standard offerings O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Custom program design — assembles bundled or layered coverage solutions by combining standard and specialty policy components to address client risk profiles that don't fit a single product template Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Client education content creation — develops simple risk explainers, comparison charts, or scenario illustrations that help clients visualize coverage value in concrete terms Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Niche market development — identifies underserved client segments such as gig workers, specialty vehicle owners, or micro-businesses and develops targeted approaches that reframe standard products around niche-specific risks Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Consultative proposal innovation — designs visually structured, scenario-based policy proposals that reframe insurance as a financial planning tool rather than a transactional purchase, increasing client engagement Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Agency differentiation strategy — conceives and pilots novel service delivery models, value-added client programs, or referral network architectures that distinguish the agency in a competitive market Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Complex risk solution architecture — engineers creative multi-carrier, multi-layer coverage structures for commercial clients facing risks that no single standard policy adequately addresses Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
8Growth Mindset8 statements
Emerging
  1. Rejection reframing — treats declined prospect conversations as data points for refining approach rather than as definitive failures, maintaining outreach consistency Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Product knowledge pursuit — voluntarily engages with carrier training materials, industry publications, and continuing education resources to expand coverage expertise Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Sales skill iteration — applies specific technique adjustments after reviewing call recordings or role-play feedback, measuring improvement across subsequent client interactions Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Regulatory change adaptation — embraces shifts in insurance law or product availability as opportunities to deepen expertise rather than disruptions to established routines Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Specialty line expansion — pursues credentials such as CLU, CPCU, or CIC designations and actively markets newly acquired expertise to expand into higher-complexity product lines Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Performance plateau response — when conversion rates or client retention stall, initiates structured self-assessment, seeks coaching, and implements targeted behavioral changes rather than attributing results to external factors Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Continuous mastery investment — maintains a long-horizon development commitment that treats each market shift, regulatory change, or client complexity as fuel for sustained professional growth, modeling this orientation visibly for peers Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Failure culture leadership — normalizes learning from lost accounts and missed sales within the agency team by sharing personal setbacks and recovery strategies transparently, reducing fear-based avoidance of difficult prospects Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
9Mindfulness8 statements
Emerging
  1. Emotional state awareness during calls — recognizes when personal stress or frustration is affecting tone during difficult client conversations and pauses to reset before continuing Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Present-moment listening — maintains focus on client responses during needs assessment interviews without mentally rehearsing the next question or product pitch Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Deliberate pacing in consultations — slows the pace of policy explanation conversations intentionally to allow client comprehension and reduce pressure-driven misunderstandings Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Workload attention management — applies structured time-blocking and task prioritization to maintain focus across simultaneous demands of prospecting, servicing, and administrative duties Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Client emotional attunement — detects anxiety, confusion, or distrust in policyholder interactions during claims or coverage-change conversations and adjusts communication pace and tone to address the emotional context before advancing to transactional content Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Intentional objection response — pauses and fully processes client objections before responding, avoiding reactive or scripted rebuttals that dismiss genuine concerns Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Regulated presence under sustained pressure — maintains composed, client-centered performance during high-volume renewal periods, contested claims situations, or market disruptions that create prolonged stress across the book of business Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Mindful agency culture contribution — introduces practices such as structured pre-meeting preparation, active listening protocols, or intentional debrief routines that elevate team-wide attention quality and reduce reactive decision-making Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
10Fortitude8 statements
Emerging
  1. Cold-call persistence — sustains prospecting outreach activity through repeated rejections without significant degradation of effort or attitude Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Licensing exam perseverance — completes required pre-licensing coursework and retakes examinations when necessary, maintaining commitment through regulatory barriers to entry Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Book of business rebuilding — responds to client attrition or territory loss by systematically redeveloping pipeline through intensified prospecting and referral activation rather than reducing effort Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Difficult claims advocacy — persists in following up with carriers on behalf of policyholders when claims are delayed or disputed, maintaining advocacy despite procedural friction Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Market adversity navigation — sustains production performance during hard market cycles, carrier withdrawals, or economic downturns that reduce client purchasing capacity by adapting product mix and value narrative Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Complex account tenacity — pursues large commercial accounts through extended sales cycles involving multiple stakeholders, repeated presentations, and competitive pressure without disengaging prematurely Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Long-term career resilience — sustains high-performance output across years of rejection, regulatory change, market volatility, and competitive disruption, drawing on a stable foundation of purpose and professional identity Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Organizational fortitude modeling — leads the agency through difficult periods such as carrier contract losses, regulatory investigations, or economic downturns by demonstrating visible resilience, maintaining strategic focus, and steadying team morale Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Sources:Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Show O*NET source anchors57 anchors · skillscrosswalk.com

O*NET enrichment · skillscrosswalk.com

Suggest an O*NET correction

Source anchors that ground each statement

Related titles
Insurance Agent · Account Representative · Account Specialist · Auto Insurance Agent (Automotive Insurance Agent) · Bilingual Insurance Sales Agent · Bond Writer · Burial Agent · Commercial Lines Account Manager · Compensation Agent · Customer Relations Rep (Customer Relations Representative) · Cyber Insurance Policy Specialist · Debit Agent
RAPIDS apprenticeships
0303 · Insurance Agent
O*NET skills
Reading ComprehensionSpeakingActive ListeningCritical ThinkingPersuasionWritingTime ManagementService OrientationNegotiationSocial PerceptivenessActive LearningCoordinationJudgment and Decision MakingMathematics
Knowledge domains
Customer and Personal ServiceSales and MarketingEnglish LanguageMathematicsLaw and GovernmentTransportationAdministration and ManagementEducation and TrainingCommunications and Media
Abilities
Oral ExpressionWritten ComprehensionOral ComprehensionSpeech ClarityWritten ExpressionSpeech RecognitionNear VisionDeductive ReasoningProblem SensitivityInductive Reasoning
Work styles
Social OrientationDependabilityPerseveranceAchievement OrientationIntegritySelf-Confidence
Technology
Video creation and editing softwareEnterprise resource planning ERP softwareCustomer relationship management CRM softwareDocument management softwareFinancial analysis softwareWeb page creation and editing softwareInstant messaging softwareMedical softwareData base user interface and query softwareVideo conferencing software
Tasks · seed anchors for statements
  1. Customize insurance programs to suit individual customers, often covering a variety of risks.
  2. 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.
  3. Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
  4. Perform administrative tasks, such as maintaining records and handling policy renewals.
  5. Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
  6. Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
  7. Confer with clients to obtain and provide information when claims are made on a policy.
  8. 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.
CIP education codes
52.1701

Sources: O*NET v30.2 (CC BY 4.0), SkillsCrosswalk.com, LER.me, Anthropic Economic Index, SAFI (Jadhav & Danve, 2026), WEF Skills Taxonomy 2021, Pathsmith Durable Skills Framework. © 2026 EBSCOed.