Insurance Agent Interview Questions for Hiring Managers

joseph cole

Updated on April 26, 2023

Insurance Agent Interview Questions for Hiring Managers

joseph cole

Updated on April 26, 2023

In this post

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Strong insurance agent interview questions test how a candidate prospects, runs a needs analysis, explains policies clearly, handles objections and keeps clients over time. Combine situational, product and behavioral questions, listen for specific numbers and examples, and score every candidate on the same rubric.

Insurance agencies hire agents in volume and lose many of them in the first year. The interview has to separate people who sound good from people who will keep making calls after the twentieth no. Resumes don’t help much, since strong agents come from retail, hospitality, banking and call centers as often as from insurance. The questions below help a hiring manager find them. For high volume agent hiring, one way video interviews let candidates answer the first round on their own time, and every recruiter reviews the same questions.

What makes a strong insurance agent

SkillWhy it mattersWhat to listen for
ProspectingAgents build their own book of businessA clear routine and real activity numbers
Needs analysisThe right policy depends on the client’s situationQuestions they ask before recommending
Clear explanationClients buy what they understandPlain language, no jargon
Objection handlingPrice and timing objections are constantCalm, specific responses
ResilienceRejection is part of the jobExamples of recovering from a slow month
ComplianceLicensing and disclosure rules applyAwareness of what they can and can’t say
RetentionRenewals drive long term incomeHabits for staying in touch with clients

Situational insurance agent interview questions

  1. A prospect says the premium is too high. What do you say next?
  2. A long time client calls upset that a claim was denied. How do you handle the call?
  3. How would you identify that an existing auto policy client also needs home or life coverage?
  4. A client asks you to recommend a policy before you have their full details. What do you do?
  5. You have one week left and you’re 30 percent below quota. What is your plan?
  6. A prospect asks a question about coverage you’re unsure of. How do you respond?
  7. How would you approach a cold call to a small business owner?

What good answers sound like: the candidate asks questions before pitching, stays honest when they don’t know something and has a concrete plan instead of “work harder”.

Product and process questions

  1. Walk through how you run a needs analysis with a new client.
  2. How do you explain the difference between term and whole life insurance to someone with no background?
  3. How do you keep track of leads, follow ups and renewals?
  4. What licensing and compliance steps do you follow before quoting or binding a policy?
  5. How do you decide when to cross sell and when to hold off?
  6. How do you generate referrals from existing clients?

Behavioral insurance agent interview questions

  1. Tell us about the largest policy or account you have closed. How did you win it?
  2. Describe a time you lost a sale. What did you learn?
  3. Tell us about a client who was angry with you or the company. What happened next?
  4. Give an example of meeting a target in a difficult month.
  5. Describe a time you persuaded a hesitant client to protect themselves with better coverage.
  6. Tell us about a time you turned down a sale because it wasn’t right for the client.
  7. Describe how you rebuilt your pipeline after losing a large account.

How to screen insurance agent candidates at scale

High volume agent hiring breaks when every candidate needs a live phone screen. A simple structure helps:

  1. Agree on the five skills from the table above and how to score them.
  2. Send a short competency test on sales judgment, customer service and basic insurance knowledge.
  3. Use a one way video round with three to five of the questions above.
  4. Review top scoring candidates first and invite them to a live interview.
  5. Run a role play of a needs analysis or objection call in the final round.
  6. Confirm licensing status or the timeline to get licensed before the offer.

A role play shows more than any answer about sales. AI Role Play can also support new agent training after hire. Insurers and banks hiring across many branches can see how this fits on the BFSI hiring and retention page, and agencies hiring in bulk on the high volume hiring page.

Red flags in insurance agent interviews

  • Pitching a product before asking a single question about the client
  • No numbers when describing past sales results
  • Blaming clients or the company for every lost deal
  • Vague answers about compliance or licensing
  • No system for follow ups

Frequently asked questions

What questions should I ask when hiring an insurance agent?

Ask situational questions about price objections and denied claims, process questions about needs analysis and compliance, and behavioral questions about past sales, losses and difficult clients. Score each answer against the same rubric.

What skills make a good insurance agent?

Good insurance agents prospect consistently, run a careful needs analysis, explain policies in plain language, handle objections calmly, follow licensing and disclosure rules, and keep in touch with clients to drive renewals.

How do you assess an insurance agent’s sales ability?

Use behavioral questions that require specific numbers, a role play of a needs analysis or objection call and, for high volume hiring, a short sales judgment test before the live interview.

Do insurance agents need prior insurance experience?

Not always. Many strong agents come from retail, banking, hospitality or call centers. Assess communication, resilience and sales judgment directly, and plan for licensing as part of onboarding.

How do you hire insurance agents faster?

Replace first round phone screens with a short competency test and a one way video interview, review the top scorers first and keep the live process to one interview plus a role play.

What are red flags in an insurance agent interview?

Watch for pitching before asking questions, no specific results, blaming others for lost deals, vague compliance answers and no system for tracking follow ups and renewals.

Hire insurance agents who can sell and stay

Good interview questions only help if every candidate gets them and every recruiter scores them the same way. Use Glider AI One Way Video Interviews to run a consistent first round for insurance agent candidates, so your managers spend live interview time on the people most likely to build a book of business.

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