In order to become a broker with UnitedHealthcare, you must take the following steps. Earn Transferable Credit & Get your Degree, Speak to a College Advisor today and make a better plan. What are the Highest Paying Health Professions? Once a client authorizes you to represent them in the Marketplace, you can provide any service they need — from answering questions to helping complete an application to handling everything from start to finish. Many colleges and universities offer courses in insurance, and select schools offer majors or minors in insurance. Working from home as an independent insurance agent gives you the flexibility to set your own hours to accommodate clients and a comfortable atmosphere in which to work. Health Insurance: Selling medical, disability, Medicare supplement, short-term, and long-term care policies. All rights reserved. What is your highest level of education completed? Working weekends and evenings might be necessary to meet clients' scheduling needs. People in your community looking for an agent or broker can easily find you. Health insurance brokers and agents who are certified by the exchanges can also explain plan details and help consumers determine subsidy or Medicaid eligibility. Besides age, you must have passed 12th grade. As such, many take advantage of learning opportunities, such as industry forums and seminars, continuing education courses and industry publications. They typically seek out clients, presenting them with health insurance options that meet their needs and, if necessary, assist with getting claims settled. So a health insurance agent must obtain licensure to sell health insurance. Often, you'll meet with a company's benefits administrator to provide them with health insurance options for their employees. You do not have to break the bank to get a degree. Relevant majors for health insurance agents include finance, economics and business. Upon being hired, a new health insurance agent typically works under an experienced agent for an extended amount of time. For this purpose, NAIC offers many online courses in a variety of subjects. They may specialize and become licensed in one or two specific areas, such as property or health insurance. This plan includes: Take classes on your own terms while saving up to 50% on college. Keep in mind that, since every state's laws are different, it's important that aspiring insurance agents contact the state licensing department before pursuing licensure to make sure they understand the state-specific requirements. How Can I Become a Health Insurance Agent? What are the Requirements to Becoming a Health Insurance Agent? Whether you need a Texas life insurance license, a Texas property and casualty license, or any combination, we’ve got the information you need to pass your insurance license exams and become an insurance agent. There's no formal educational requirement to become a health insurance agent, but many employers prefer that you hold a bachelor's degree. This career focuses on contacting companies and offering deals for advertising space within various outlets; for example, TV commercials or radio spots. Certification such as the Registered Health Underwriter (RHU) credential offered by the National Association of Health Underwriters (NAHU) is sought by some employers and may help you to secure a position or to advance in your career. Find the right school and build a personalized Education Plan with help from an independent advisor. For current customers, a health insurance agent's job usually only involves modifying and renewing policies. Becoming an advertising agent is another similar career where you only need a high school diploma. A health insurance agent who can show a proven sales ability may be hired with just a high school diploma or general equivalency diploma. After identifying their needs and matching those needs with available products, you'll generate quotes and provide options for coverage. An agent/agency agreement must be signed along with a Request for Appointment of Insurance Producer form. Afterwards, you'll have the option to speak to an independent Various changes in government programs, regulations and laws can occur and impact policies. You'll generally have to complete coursework and pass written examinations testing knowledge of state insurance regulations. How to Become a Health Insurance Agent: Career Roadmap. Now understanding the basic requirements for the type of insurance agent you want to be: You must be at least 18 years old to become an insurance agent Applicants to the master's and doctorate programs must have a bachelor's degree or higher. How Much Does an Insurance Agent Make in California? Courses Needed to Become an Insurance Agent. Becoming an insurance agent can mean job independence and flexibility with potentially a high salary. Curriculum, relevancy of sample programs, and outcomes will vary by school. Do You Need Health Insurance to Study at Online College? Purchasing health care insurance can be a very difficult task. Agent or Broker: It is the insurance agent or broker’s responsibility to obtain insurance licenses and meet the licensing qualifications required by each state insurance department to which they apply. It is also the agent or broker’s responsibility to pay all initial and renewal licensing fees as required by each state. However, some states may waive pre-licensing course requirements for those who hold a college degree. "How to Become a Health Insurance Agent: Career Roadmap." Before selling health insurance plans through the federal Health Insurance Marketplace® (FFM) on HealthCare.gov, you’ll need to register, sign agreements, and complete required training. We'll explore your degree options and If you’re interested in becoming a health insurance agent, one of the first things you need to do is take the licensing exam required by your state regulator. While certification isn't mandatory, employers may favor applicants with a professional credential that demonstrates skill and proficiency. You'll need to earn continuing education credits on an ongoing basis to maintain your license and to remain up-to-date on changes in regulations and available insurance products. Which Business Colleges are in the Albuquerque, New Mexico Area? How Do I Get an America's Health Insurance Plans (AHIP) Certification? ; License: Every state requires insurance agents to be licensed.. Get a free comparison table of costs, aid, and requirements for Medical and Health Professions schools, Insurance Agent Video: Becoming an Insurance Broker or Agent. After obtaining a license, you may need to complete continuing education courses to renew and maintain your licensure. It's free! degree options and guide you through every step of the college selection and enrollment process. Answer the following questions to find the best school options for your degree. Health Insurance Associate (HIA) Certification. Study.com College Advisor that can help you compare costs and options. Get personalized advice from our college experts. Larger corporate clients may have an agent who deals exclusively with their needs. I’m not qualified. Read on to explore the typical personality and... An admission advisor from each school can provide more info about: Get Started with Southern New Hampshire University, Get Started with Bryant & Stratton College, Get Started with Purdue University Global, Get Started with Colorado State University Global. The vast majority of life insurance companies have no formal education requirements for becoming an agent. Undergraduate applicants must be a high school graduate or have completed GED and completed some college. There's no formal educational requirement to become a health insurance agent, but many employers prefer that you hold a bachelor's degree. Since there are multiple steps to becoming an insurance agent, let’s break this down by sections: Getting your insurance licenses – Three to six weeks Finding an insurance agent job – Two or more weeks Getting your FINRA licenses (optional) – Four to eight weeks ), Study.com / How to Become a Health Insurance Agent: Career Roadmap. In California, that’s the California Department of Insurance (DOI). You need two things to become an independent insurance agent in Texas -- an insurance license and an appointment to sell the products of one or more insurance companies. Speaking with one of our college advisors, you will get personalized advice and explore your As a health insurance agent, one of your duties is to contact and make presentations to prospective clients. A career as a health insurance agent generally requires a high school diploma and state licensure, though a bachelor's degree and voluntary certification may improve job opportunities. A college education can help experienced agents move into careers in risk management, working as actuaries, or other positions that require postsecondary education. What is the Job Description of a Life Insurance Agent? What is your high school graduation status? How Much Does a Licensed Insurance Agent Make? However, many employers prefer their health insurance agents to possess a college degree. No matter what you choose to major in, you can help prepare yourself for the career by taking relevant coursework in sociology, communication, psychology, economics, business administration, accounting and finance. Education: Employers prefer to hire insurance agents who have college degrees, particularly in business or economics.They might consider hiring a high school graduate who has proven sales ability. - Quiz & Self-Assessment Test, International Health Insurance Consultant: Job Description & Requirements, Health Insurance Specialist: Job Description and Requirements, Health Consequences College Students Should Consider Before Drinking, How to Become a Corporate Recruiter: Education and Career Roadmap, Become a Reading Teacher: Education Requirements and Career Info, How to Become a Healthcare Manager: Step-by-Step Career Guide, Associate of Health & Exercise Sciences: Degree Overview, PhD in Holistic Health and Medicine: Degree Info for Doctoral Students, How to Become a Commercial Real Estate Broker, How to Become a Tax Preparer Online for Free, Online MBA in Service Marketing Degree Program Overview, Become an Immunologist Education and Career Roadmap, Hotel and Restaurant Management Certificate Programs in Brookline MA, Renewable Energy Technology Schools and Education Programs, Schools with TV and VCR Repair Programs How to Choose. A background check and evidence of errors and omission insurance may be required. The main certifying body for these professionals is the National Alliance for Insurance Education and Research, which offers the Certified Insurance Counselor designation. Depending on the state, this generally requires a health insurance agent to complete pre-licensing courses prior to taking licensing exams. Getting your Texas insurance license is the first step to becoming an insurance agent in Texas.. All states require that health insurance agents be licensed to sell insurance. According to the U.S. Bureau of Labor Statistics, insurance sales agents in general earned an average salary of $67,890 per year as of May 2018. Do MBA Students Receive Health Insurance? Find Schools. You need to be at least 18 years old to become an insurance agent. Become an Insurance Agent Obtain an Insurance License All North Carolina applicants for an insurance license may obtain an Insurance Licensing Examination Candidate Guide (free of charge) by accessing the link below or www.pearsonvue.com or by calling Pearson VUE at 866-265-6329. Connect with Learn about job duties, employment outlook, education options and licensing requirements to find out if this is the career for you. Experience: Prior sales experience in any industry is helpful, but not required. Insurance is too complex. Every state requires insurance agents to be licensed, and separate licenses are issued for different types of insurance. To become a Max Life insurance agent you need to be 18 years old. Dual Enrollment: Master of Health Service Administration and Master of Public Health, MS in Health Administration with an Emphasis in Health Care Quality and Patient Safety, Medical Administrative Assistant or Secretary, Health Management and Clinical Administration, MBA - Health Services Administration Concentration, BBA - Health Services Administration Concentration, International MBA in Healthcare Management, International MBA in Healthcare Informatics, MS in Information Technology - Healthcare Informatics Concentration, BS Business Administration with concentration in Healthcare Administration, BS in Healthcare Administration - Healthcare Information Management, MS in Management - Health Care Management, Graduate Specialization in Healthcare Administration, Master of Healthcare Administration and Management, BS in Healthcare Administration and Management, BS - Health Care Administration Leadership, BS - Health Care Management: Accelerated Master Pathway, BS - Information Technology: Health Information Management, Online Certified Medical Insurance Specialist Courses, Online Medical Insurance Billing Courses Overview, Online Medical Receptionist Certification Information, Hospital Patient Registration Specialist: Salary, Duties & Requirements, Dental Biller: Salary, Requirements and Career Information, How to Become a Medicare Specialist: Education and Career Roadmap, Eligibility Specialist: Job Description, Duties and Requirements, Medical Insurance Technician Certificate: Program Summary, Overview of Health Insurance Underwriting Courses, Certified Medical Insurance Specialist Course Overviews, Health Insurance Courses, Classes and Training Programs, Health Insurance Professional: Job & Career Information, Dental Secretary: Employment & Career Info, Top Schools with Programs for Medical Insurance Billing and Coding, Top Schools for Medical Administrative Assistant or Secretary, Health Information Technology Career Education in Atlanta, Health Insurance License and Credential Information, Should I Become an Insurance Agent? Another responsibility is to maintain ongoing relationships with clients by contacting them proactively about their coverage and serving as their account manager and liaison with the company. They may work as... Are you curious if you have what it takes to succeed as an insurance agent? This career typically requires agents to contact new customers, get an idea of their financial situation, help them understand various policies, and guide them as they complete paperwork. Source: *U.S. Bureau of Labor Statistics. Insurance agents may sell one of many different types of insurance, including life, health, automobile, and liability insurance. In terms of higher education levels, we found that 0.0% of health insurance agents have master's degrees. To become a Medicare insurance agent, you must get a health insurance license in the state you currently live in (resident state). It’s too late to change careers. A licensed health insurance agent is your personal shopper. Obtain authorization to represent UnitedHealthcare and its products by entering into a legal agreement with the company and securing an appointment by them. Must be a high school graduate or have completed GED. These skills can lead to higher sales and, in turn, higher commission. 10 Dec 2020 accessed. How to become a Core Health Insurance agent. Must complete an application online and submit transcripts for their highest degree earned. Insurance is provided by a number of private... Health insurance underwriters take into consideration various criteria and determine whether or not to approve applicants for... Health insurance professionals sell insurance coverage, process claims, assess risk, and design policy plans. By watching an experienced worker, new health insurance agents learn how to communicate with clients, write insurance policies and conduct business appropriately. This mentor system allows new agents to acquire the skills and practice necessary to succeed in the career. How Much Does a Health Insurance Agent Make in Arizona? It may also lead to greater advancement opportunities within the field. All other trademarks and copyrights are the property of their respective owners. a Study.com College Advisor at the end of the process. Enter zip: Taking the right insurance courses can make the difference between landing an insurance job with a major national agency and not obtaining a license to sell insurance within your state. The role of the licensed health insurance agent or broker . If you’ve ever considered the steps to becoming an insurance agent, you’ve likely been exposed to these common misunderstandings and misconceptions about selling insurance. The education requirements are quite lax. Research the education requirements and learn about the experience you need to advance your career in health insurance sales. How to Become an Independent Insurance Agent in Texas. Today, health insurance must be purchased in the United States or you pay a fine. In Nevada, it’s the Nevada Division of Insurance (a part of the Department of Business and Industry). Insurance agents sell insurance to individuals and businesses. You should also stay current on the products available and the regulatory changes that may affect clients. As an insurance agent, your job duties will include creating insurance plans that suit your clients' needs, implementing policy changes and maintaining records. Medical Administrative Secretary or Assistant. Jobs for Communication Design Majors: Career Facts, None required; bachelor's degree may be preferred by some employers, Licensure required in state of employment; optional certifications available, Find potential clients, sell health insurance, and renew information on policyholders. Here's one last tip for success: consider earning professional certification. Health insurance agents sell medical, dental, and life insurance to potential clients by explaining different policies and coverage options, and then helping them select and purchase suitable plans. These workers also need strong customer-service and analytical skills, as well as verbal and written communication, time management, critical thinking and decision-making skills. Understanding the Basic Requirements. For free! Top Myths About Becoming an Insurance Agent: Busted. We've determined that 66.7% of health insurance agents have a bachelor's degree. (2020, Mar 11 of publication). Study.com, 11 Mar 2020 published. August 30, 2019. What Are My Career Options in Health Insurance? The National Association of Insurance Commissioners' (NAIC) website offers a listing of all state licensing entities (www.naic.org). The state, this generally requires a health insurance options for their.! Many different types of insurance, and auto and home insurance: Prior sales experience in industry! 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