Non-Life Insurance Agent
そんがいほけんがいこういん
Industry & Occupation
Classification
- Major : Sales and Marketing Occupations
- Middle : Sales Representative Occupations
- Minor : Financial and Insurance Sales Representatives
Summary
Non-life insurance agents propose and sell non-life insurance products such as auto insurance and fire insurance to customers, handling everything from contract procedures to post-contract follow-up and accident response as a sales position. They provide optimal insurance plans through customer risk analysis and needs assessment.
Description
Non-life insurance agents belong to insurance companies or agencies and specialize in proposing and selling non-life insurance products such as auto insurance, fire insurance, injury insurance, and liability insurance to customers. Their main tasks include visiting customers to conduct needs hearings, risk analysis, preparing quotes, explaining products, and handling contract procedures. They also perform insurance premium calculations, contract renewal procedures, and post-contract follow-up such as accident response and insurance claim support. Sales targets or quotas are often set, with compensation consisting of base salary and commissions. Building trust with customers and compliance with laws are required, and knowledge must be updated in line with changes in products and systems. Work styles are diverse, including field sales, online consultations, and telemarketing, requiring approaches tailored to customer segments and company size.
Future Outlook
With an aging population and increasing natural disasters, demand for non-life insurance is stable or showing a gentle upward trend. The spread of DX and online consultations requires a balance of face-to-face and digital sales, making efficient sales techniques using digital tools and IT literacy key differentiators in the future.
Personality Traits
Excellent communication skills / Has a positive mindset / Likes interacting with people / Problem-solving oriented / Strong sense of responsibility
Work Style
Commission-based / Field sales / Flex time / Online consultations / Telemarketing
Career Path
Non-life insurance agent → Senior non-life insurance agent → Team leader → Branch manager / Sales office manager → Sales manager → Independent insurance agency owner
Required Skills
Contract procedures / Insurance product knowledge / Listening skills / Negotiation skills / Presentation skills / Sales skills (proposal and negotiation)
Recommended Skills
CRM tool operation / Data analysis / English (business conversation) / Marketing
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Adaptability | Necessary to flexibly respond to diverse customers and situations. |
| Communication Skills | Essential for building trust with customers and accurately eliciting their needs. |
| Stress Tolerance | Essential for working in stressful environments such as meeting sales targets and handling complaints. |
Related Qualifications
- AFP (Financial Planner)
- Non-life insurance solicitor qualification
- Securities representative
Aliases
- Insurance agent
- Non-life insurance agent
Related Jobs
- Corporate sales representative
- Financial product intermediary
- Insurance advisor
- Life insurance agent