What Kinds of Jobs Can You Get in the Insurance Industry?

If you’re looking for a stable career with the potential for great financial reward, look no further than the insurance industry. In good economic times, and bad, the insurance industry provides a necessary and valuable service, and provides several different types of job opportunities that can fit nearly anyone’s skillset and interests. Whether you fancy yourself a hotshot salesmen, or prefer to perform research and investigations, there’s probably an insurance industry job waiting for you.

woman explaining insurance policy to couple

Insurance Agent

Insurance agents are the most commonly known type of worker in the insurance agency, and one of the most necessary. In most cases, insurance agents are the salesmen who meet with potential clients and pitch them the benefits of the specific plans. For every type of insurance – health, dental, auto, homeowner, etc. – there are insurance agents making contact with people in need of policies, and managing the accounts of customers who have purchased insurance. Insurance agents can also be known as insurance producers or account handlers.

Claims Processor

When a customer makes a claim on their insurance, a payment isn’t automatically sent out. Someone working for the insurance company has to process the claim, making sure it is handled correctly and that it goes through the system efficiently. This is where insurance claims processors come in. Claims processors meet with clients to advise them of issues with their policies or claims, initiate investigations to make sure that claims are legitimate, and work with brokers, risk analysts, and other policy makers to ensure that customers get fair and timely payouts for their legitimate claims. Much of a claims processor’s job is customer service, though they’re also partly responsible for checking that claims made on their customers’ insurance policies are legitimate.

Insurance Investigator

Insurance investigators are the detectives of the industry. When a claims processor finds discrepancies in an insurance claim, or believes a customer might be lying, insurance investigators look into the case and determine whether or not a claim is legitimate. This includes visiting accident sites, interviewing claimants and witnesses, and performing other investigative tasks in order to establish who is liable in an accident, and to help the insurance company negotiate the value of a payout.

Risk Management Analyst

Risk management analysts visit homes, retail outlets, factories, plants, and any other facilities that are seeking insurance coverage, and then create reports for insurance companies and customers on how much risk is involved, and what can be done to mitigate it. In most all cases, an insurance policy is what is used to mitigate risk. Most of a risk analyst’s job involves traveling to different locations, meeting with clients, performing examinations, and taking pictures. Risk analysts also need to be up to date on current safety codes and relevant legislation, so that they can advise clients and report to companies when potential customers are in violation of safety measures or otherwise present too much of a risk to insure.


The price a customer pays for their insurance policy is affected by the amount of risk the insurance company takes on by providing that client with coverage, and it’s a Underwriter’s job to determine what level or risk each applicant presents.

Underwriters are similar to risk analysts, but, instead of inspecting worksites and companies, they investigate individuals, homeowners and commercial risks. An underwriter performs background checks on applicants, and determines the premium to be paid for the policy.

The first step to working in the insurance industry is passing your state’s insurance licensing exams. America’s Professor offers affordable, satisfaction guaranteed online insurance exam prep courses. Learn more by contacting America’s Professor at 800-870-3130.


Insurance Pre-Licensing Courses

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