Sales Representative, Life Insurance

As a Sales Representative at Kemper in Ripley, TN, your primary responsibilities include conducting sales presentations, recommending insurance products to meet customer needs, and closing sales effectively. You'll also be responsible for collecting premiums from policyholders, maintaining records, and addressing various client service requests such as beneficiary changes and claims processing. Your daily focus will be on building relationships with customers in your assigned territory and increasing the agency's client base.

To become a Life Insurance Sales Agent with Kemper, you should have customer service experience, a valid driver's license, and be at least 18 years old. You will need to have dependable transportation as this position requires door-to-door visits. It's essential to be able to pass a background check, motor vehicle report check, and drug screening. We also provide help for those preparing for licensing exams so that you can start your career equipped with the necessary certifications.

Kemper offers a robust training program for new Life Insurance Sales Representatives. This includes assistance with licensing preparation, a basic development program featuring self-study, classroom learning, role-playing, and hands-on fieldwork. You will have on-the-job training where you can earn while you learn, ensuring that you are well-prepared to serve our clients effectively.

Kemper utilizes a pay-for-performance compensation model for Life Insurance Sales Agents, which means your earnings are directly linked to your success in selling insurance products. This model provides unlimited income potential as you can write your own paycheck. The more clients you serve and the more policies you sell, the higher your income can grow. Additionally, superior performance is recognized through awards and other incentives.

As a Life Insurance Sales Agent with Kemper, you can expect a comprehensive benefits package that includes Group Life Insurance, Major Medical and Dental coverage, Short-term and Long-term disability, a 401(k) plan with company matching, paid vacation time, and an Employee Stock Purchase Program. Kemper values the well-being and professional growth of its employees, making it an attractive workplace.

It's crucial to have strong organizational skills when managing multiple clients. I prioritize tasks based on urgency and the potential impact on customer satisfaction. I use planning tools to keep track of appointments and follow-ups, ensuring no client feels neglected, and I always make it a point to address pressing issues first while setting aside dedicated time for long-term client relationship building.

In my previous position, a client was upset about a policy misunderstanding. I listened attentively to their concerns and empathized with their situation. By providing clear explanations and offering a solution that met their needs, I turned their frustration into appreciation, resulting in a renewed policy and a strong recommendation to others.

I focus on understanding the client's needs through active listening. Once I grasp what they value, I emphasize the benefits of the insurance products that address those needs. I create a sense of urgency by explaining the advantages of acting now rather than later. Ultimately, my goal is to make the client feel confident and secure in their decision.

Rejection is part of sales, and I treat it as a learning opportunity. I take the time to understand what may have gone wrong, whether it's in my approach, timing, or the product offered. This analysis helps me adapt my strategy for future prospects. Maintaining resilience and a positive attitude is vital to continuously moving forward.

I am drawn to the opportunity at Kemper because of the company's commitment to serving underserved communities. I believe strongly in the importance of accessible insurance options for modest-income families. Kemper’s support for personal development and its pay-for-performance model align perfectly with my professional goals and personal values.

My previous experience in customer service has equipped me with strong communication and interpersonal skills, essential for building relationships with clients. Additionally, I have a track record of exceeding sales targets, which demonstrates my ability to effectively present solutions and close deals.

I prioritize professionalism by presenting myself well, being punctual, and respecting clients' time. I listen actively and maintain a positive, helpful demeanor in every interaction. By ensuring confidentiality and following through on commitments, I build trust and credibility with my clients.

I utilize a combination of resources, including industry publications, online courses, webinars, and networking events. Staying connected with colleagues allows me to share insights and experiences, while also staying ahead of changes in regulations and market trends that affect my clients.

I set clear, achievable goals for myself and break those down into monthly and weekly targets. I use tracking tools to monitor my progress and adjust my approach as needed. Consistent prospecting and following up with leads allow me to fill my pipeline and meet or exceed targets regularly.

My approach to prospecting involves researching potential client demographics and needs to focus my efforts effectively. I leverage referrals, community networking, and social media to reach out to new clients, ensuring my messaging is tailored to their specific situations for relevance and impact.