An insurance agent is a professional who helps clients find the best insurance coverage for their needs. They work with clients to assess those needs and find policies that offer the right amount of protection at a price they can afford. Agents are dedicated to helping clients navigate the often-confusing world of insurance and find policies that meet their specific needs. CIMXag employs agents representing a variety of top-tier carriers specializing in Federal Crop Insurance, Property and Casualty Insurance, and Life and Health Insurance

Insurance agents need the following essential qualities/skills:

• Excellent verbal and written communication skills
• Relationship driven
• Self-motivated
• Takes initiative
• Detail oriented
• Positive attitude
• Problem-solving skills
• Excellent customer service skills
• Analytical Skills

Crop insurance agents act as intermediaries between farmers and insurance companies. These agents specialize in selling policies to farmers, ranchers, and others in the agricultural field. Their skills and knowledge in agriculture, insurance, and federal subsidies go beyond that of a typical insurance salesperson. Crop insurance is an essential tool available to farmers and ranchers to help protect them against loss and declines in crop yields and/or revenues. It is the job of the crop insurance agent to assist clients in identifying potential needs and providing proposals to address those needs.

The Reform Act of 1994 made participation in crop insurance mandatory for farmers to be eligible for deficiency payments under price support systems, particular loans, and other benefits. A crop agent must know planting deadlines, reporting timelines for acreage planted, production reporting guidelines, risk management, etc. This job requires understanding how the federal government supports agriculture and the agent’s role in assisting the farmer to be adequately covered.

Property and Casualty are terms of various insurance products that protect personal property and the damages for which one may be responsible. Property policies may protect cars, houses, boats, etc., against loss or damage. Casualty insurance policies may include liability coverage to help protect the insured if found legally responsible for an accident that causes injuries to another person or damage to another person’s belongings.

The P&C Insurance agent must be savvy in several areas of risk management – building structures, roofs, foreseeable dangerous situations and actions, and the law concerning accidents. The agent sells homeowners, auto, and business owner policies and works with people to identify and determine adequate coverage for their changing needs. This job requires staying abreast of laws and regulations that affect different kinds of coverage

A Life and Health Insurance agent consults with clients and prospective clients to assess insurance needs in the area of health and insurance coverage. Risk assessment, financial goals, budgets, and other relevant details must be routinely analyzed for each client in order to adequately evaluate their needs. The keys to obtaining this goal include strong relationship skills, clear communication, and protection of clients’ personal and business information. Trust is a must.

The major task of a life and health agent is to stay current of a client’s changing insurance needs. Often disability becomes an area that needs to be added to a client’s portfolio. In order to stay current of a person’s needs, a productive agent-client relationship must be established. Once a sound relationship is established, it produces a source of loyal clients and helps provide a list of prospects.

Life and Health Insurance agents need to possess analytical skills to adequately evaluate the needs of their clients. The key to obtaining the needs of clients depends on having good communication and interpersonal skills based on empathy and self-confidence in dealing with others. The hardest part of being a successful life and health agent is earning the trust of your clients.