Insurance Agent

(Account Manager I)

DEPARTMENT: P & C Division

REPORTS TO: President, Field & Main Insurance Services

SUPERVISES: None

FLSA: Non-Exempt STATUS: Full Time

EEO Classification: 4 Sales Workers

JOB GRADE: E

HOURS: Regular full-time 40 hours

SUMMARY: Agents primary duty is to sell life, property, casualty, health, automotive, or other types of insurance. Agents are responsible for the promotion of the Field and Main Insurance products and services and assists in the training of Field and Main Bank's retail products and services.

EDUCATION & EXPERIENCE:

College degree or equivalent insurance sales work experience required.

Minimum of 1 year experience in an insurance sales environment.

Demonstrated ability to sell and cross-sell products and services.

Broad knowledge of insurance industry & ability to apply & develop innovative industry advances or changes in products.

Must be licensed or able to obtain Kentucky Department of Insurance Licensing.

ESSENTIAL DUTIES & RESPONSIBILITIES:

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.

Customarily and regularly meet with clients face-to-face, outside the office and in the office to sell insurance policies and products

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.

Call on policyholders to deliver and explain the policy, to analyze insurance programs and suggest additions or changes, or to change beneficiaries.

Responsible for originating their own sales and developing their own client lists by contacting or networking with current or prospective clients and by developing and maintaining relationships with sources of leads and referrals.

Customize insurance programs or policies to suit individual customers, often covering a variety of risks.

Explain features, advantages and disadvantages of various policies to promote sale of insurance plans, including the costs, monetary values or returns, death benefits, and risks of each.

Calculate premiums and establish payment method.

Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide its insurance risk.

Perform administrative tasks, such as maintaining records and handling policy renewals as necessary to service the customer.

Select a company that offers the type of coverage requested by the client to underwrite a policy.

Assist bookkeeping with commission statements.

Engage in developing marketing strategies to compete with other individuals or companies who sell insurance.

Confer with clients to obtain and provide information when claims are made on a policy.

Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, direct mail, in writing, telephone or electronic communication sources.

Other projects determined by management.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS & ABILITIES:

Basic knowledge of Insurance agency practices and procedures.

Performs duties under the direction and supervision of managers, operating from established directions and instructions.

Decisions are made within general company policy constraints and insurance laws but occasionally require independent decision making.

Ability to multitask and work in a fast paced, ever-changing environment

Strong oral communication abilities and customer relationship building abilities.

COMPETENCIES: To be successful in this position, an individual should possess and demonstrate the following competencies to perform the essential functions of this position.

Computer Skills - Strong working knowledge of computer functions. Ability to learn new technical skills & commitment to pursuing continuing education opportunities to advance technical skills

Initiative Ability to determine a correct course of action based on knowledge, policies & sound judgment. Takes proactive steps to accomplish sales and tasks without specific direction. Seeks out & takes responsibility for additional work assessments. Ability to consistently make correct decisions based on sound judgment, job knowledge, job experience & job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision & reason & base for the decision.

Follow-Up Completes assignments & tasks willingly, promptly & efficiently. Responds with a sense of urgency to requests from customers, co-workers & /or supervisor. Keeps supervisor informed of status of completed tasks.

Communication Skills Relates positively to customers, staff, co-workers, & supervisors. Consistently keeps staff & supervisor informed. Consistently demonstrates appropriate use of language expected in a professional work environment. Considerate & respectful of customers, staff, co-workers, & supervisors by tone, volume & mannerism used in communicating. Expresses thoughts clearly & proficiently in written & oral form. Maintains confidentially in all company, employee & customer related matters.

Interpersonal Relationship Skills Works well with & along co-workers conveying thoughts, actions & actions in a positive manner. Supports, accepts & understands management & company directives & works to help achieve individual, departmental & company objectives & goals with positive behavior. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety & decorum. Interacts & communicates with individuals at all levels of the organization. Dependable, consistently at work & on time, follows instructions, responds to management directions & solicits feedback to improve performance.

Time-Management Ability to consistently display a sense of urgency in completing tasks & servicing customer's needs. Ability to maintain accuracy & quality & of work as quantity of work increases. Individual organizes, prioritizes & plans work activities & use of time efficiently. Effectively prioritizes duties & develops a system that triggers action in own workflow. Possess ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat & efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy & thoroughness & monitors own work to ensure quality & quantity of work. Takes time to verify work & promptly correct errors. Maintains all the required & appropriate records necessary in the job.

Adherence to Policies & Procedures Understands the importance of adherence to policies in job related functions, employee & insurance issues. Maintains confidentiality of employee, customer & insurance information within & outside of the company. Actions & behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee & insurance information.

ADA REQUIREMENTS: Work is performed in an office setting; one must be able to concentrate & perform work in an area that will likely result in the interruptions of one's duties. Work may require standing for long periods of time and to lift items weighing up to 25-70 lbs.

This job may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. Job descriptions and duties may be modified when deemed appropriate by management.

REV. 03/04/2022 WLF EOE/ Minorities/Women/Vets/Disabled

Insurance Agent

(Account Manager II)

DEPARTMENT: P & C Division

REPORTS TO: President, Field & Main Insurance Services

SUPERVISES: None

FLSA: Non-Exempt STATUS: Full Time

EEO Classification: 4 Sales Workers

JOB GRADE: F

HOURS: Regular full-time 40 hours

EDUCATION & EXPERIENCE:

College degree or equivalent insurance sales work experience required.

Minimum of 5 years' experience in an insurance sales environment.

Demonstrated ability to sell and cross-sell products and services.

Broad knowledge of insurance industry & ability to apply & develop innovative industry advances or changes in products.

Must be licensed or able to obtain Kentucky Department of Insurance Licensing.

ESSENTIAL DUTIES & RESPONSIBILITIES:

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.

Customarily and regularly meet with clients face-to-face, outside the office and in the office to sell insurance policies and products

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.

Call on policyholders to deliver and explain the policy, to analyze insurance programs and suggest additions or changes, or to change beneficiaries.

Responsible for originating their own sales and developing their own client lists by contacting or networking with current or prospective clients and by developing and maintaining relationships with sources of leads and referrals.

Customize insurance programs or policies to suit individual customers, often covering a variety of risks.

Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans, including the costs, monetary values or returns, death benefits, and risks of each.

Calculate premiums and establish payment method.

Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide its insurance risk.

Perform administrative tasks, such as maintaining records and handling policy renewals as necessary to service the customer.

Select a company that offers the type of coverage requested by the client to underwrite a policy.

Assist bookkeeping with commission statements.

Engage in developing marketing strategies to compete with other individuals or companies who sell insurance.

Confer with clients to obtain and provide information when claims are made on a policy.

Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, direct mail, in writing, telephone or electronic communication sources.

Other projects determined by management.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS & ABILITIES:

Basic knowledge of Insurance agency practices and procedures.

Performs duties under the direction and supervision of managers, operating from established directions and instructions.

Decisions are made within general company policy constraints and insurance laws but occasionally require independent decision making.

Ability to multitask and work in a fast paced, ever-changing environment

Strong oral communication abilities and customer relationship building abilities.

COMPETENCIES: To be successful in this position, an individual should possess and demonstrate the following competencies to perform the essential functions of this position.

Computer Skills - Strong working knowledge of computer functions. Ability to learn new technical skills & commitment to pursuing continuing education opportunities to advance technical skills

Initiative Ability to determine a correct course of action based on knowledge, policies & sound judgment. Takes proactive steps to accomplish sales and tasks without specific direction. Seeks out & takes responsibility for additional work assessments. Ability to consistently make correct decisions based on sound judgment, job knowledge, job experience & job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision & reason & base for the decision.

Follow-Up Completes assignments & tasks willingly, promptly & efficiently. Responds with a sense of urgency to requests from customers, co-workers & /or supervisor. Keeps supervisor informed of status of completed tasks.

Communication Skills Relates positively to customers, staff, co-workers, & supervisors. Consistently keeps staff & supervisor informed. Consistently demonstrates appropriate use of language expected in a professional work environment. Considerate & respectful of customers, staff, co-workers, & supervisors by tone, volume & mannerism used in communicating. Expresses thoughts clearly & proficiently in written & oral form. Maintains confidentially in all company, employee & customer related matters.

Interpersonal Relationship Skills Works well with & along co-workers conveying thoughts, actions & actions in a positive manner. Supports, accepts & understands management & company directives & works to help achieve individual, departmental & company objectives & goals with positive behavior. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety & decorum. Interacts & communicates with individuals at all levels of the organization. Dependable, consistently at work & on time, follows instructions, responds to management directions & solicits feedback to improve performance.

Time-Management Ability to consistently display a sense of urgency in completing tasks & servicing customer's needs. Ability to maintain accuracy & quality & of work as quantity of work increases. Individual organizes, prioritizes & plans work activities & use of time efficiently. Effectively prioritizes duties & develops a system that triggers action in own workflow. Possess ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat & efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy & thoroughness & monitors own work to ensure quality & quantity of work. Takes time to verify work & promptly correct errors. Maintains all the required & appropriate records necessary in the job.

Adherence to Policies & Procedures Understands the importance of adherence to policies in job related functions, employee & insurance issues. Maintains confidentiality of employee, customer & insurance information within & outside of the company. Actions & behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee & insurance information.

REV. 03/04/2022 WLF EOE/ Minorities/Women/Vets/Disabled

Insurance Agent

(Senior Account Manager)

DEPARTMENT: P&C Division

REPORTS TO: President, Field & Main Insurance Services

SUPERVISES: None

FLSA: Exempt STATUS: Full Time

EEO Classification: 4 Sales Workers

JOB GRADE: 4

HOURS: Regular full-time 40 hours

EDUCATION & EXPERIENCE:

College degree or equivalent insurance sales work experience required.

Minimum of 10 years' experience in an insurance sales environment.

Demonstrated ability to sell and cross-sell products and services.

Broad knowledge of insurance industry & ability to apply & develop innovative industry advances or changes in products.

Must be licensed by Kentucky Department of Insurance Licensing.

ESSENTIAL DUTIES & RESPONSIBILITIES:

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.

Customarily and regularly meet with clients face-to-face, outside the office and in the office to sell insurance policies and products

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.

Call on policyholders to deliver and explain the policy, to analyze insurance programs and suggest additions or changes, or to change beneficiaries.

Responsible for originating their own sales and developing their own client lists by contacting or networking with current or prospective clients and by developing and maintaining relationships with sources of leads and referrals.

Customize insurance programs or policies to suit individual customers, often covering a variety of risks.

Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans, including the costs, monetary values or returns, death benefits, and risks of each.

Calculate premiums and establish payment method.

Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide its insurance risk.

Perform administrative tasks, such as maintaining records and handling policy renewals as necessary to service the customer.

Select a company that offers the type of coverage requested by the client to underwrite a policy.

Engage in developing marketing strategies to compete with other individuals or companies who sell insurance.

Confer with clients to obtain and provide information when claims are made on a policy.

Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, direct mail, in writing, telephone or electronic communication sources.

Other projects determined by management.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS & ABILITIES:

Extremely knowledgeable of Insurance agency practices and procedures.

Performs duties under the direction and supervision of managers, operating from established directions and instructions.

Decisions are made within general company policy constraints and insurance laws but occasionally require independent decision making.

Ability to multitask and work in a fast paced, ever-changing environment

Strong oral communication abilities and customer relationship building abilities.

COMPETENCIES: To be successful in this position, an individual should possess and demonstrate the following competencies to perform the essential functions of this position.

Computer Skills - Strong working knowledge of computer functions. Ability to learn new technical skills and commitment to pursuing continuing education opportunities to advance technical skills

Initiative Ability to determine a correct course of action based on knowledge, policies, and sound judgment. Takes proactive steps to accomplish sales and tasks without specific direction. Seeks out and takes responsibility for additional work assessments. Ability to consistently make correct decisions based on sound judgment, job knowledge, job experience, and job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision and reason and base for the decision.

Follow-Up Completes assignments and tasks willingly, promptly, and efficiently. Responds with a sense of urgency to requests from customers, co-workers, and /or supervisor. Keeps supervisor informed of status of completed tasks.

Communication Skills Relates positively to customers, staff, co-workers, and supervisors. Consistently keeps staff and supervisor informed. Consistently demonstrates appropriate use of language expected in a professional work environment. Considerate and respectful of customers, staff, co-workers, and supervisors by tone, volume, and mannerism used in communicating. Expresses thoughts clearly and proficiently in written and oral form. Maintains confidentiality in all company, employee, and customer related matters.

Interpersonal Relationship Skills Works well with co-workers, conveying thoughts and actions in a positive manner. Supports, accepts, and understands management and company directives and works to help achieve individual, departmental, and company objectives and goals with positive behavior. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety and decorum. Interacts and communicates with individuals at all levels of the organization. Dependable, consistently at work and on time, follows instructions, responds to management directions, and solicits feedback to improve performance.

Time-Management Ability to consistently display a sense of urgency in completing tasks and servicing customer's needs. Ability to maintain accuracy and quality and of work as quantity of work increases. Organizes, prioritizes, and plans work activities and use of time efficiently. Effectively prioritizes duties and develops a system that triggers action in own workflow. Possesses ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat, and efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy and thoroughness and monitors own work to ensure quality and quantity of work. Takes time to verify work and promptly correct errors. Maintains all the required and appropriate records necessary in the job.

Adherence to Policies and Procedures Understands the importance of adherence to policies in job related functions, employee, and insurance issues. Maintains confidentiality of employee, customer, and insurance information within and outside of the company. Actions and behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee, and insurance information.

This job may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. Job descriptions and duties may be modified when deemed appropriate by management.

REV. 03/04/2022 WLF EOE/ Minorities/Women/Vets/Disabled

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INSURANCE AGENT (ACCOUNT MANAGER)

Field & Main Bank