Hard Skills
IntermediateRisk AssessmentThe process of evaluating the risk profile of applicants to determine policy eligibility and premium pricing based on mortality and health factors.
AdvancedRegulatory ComplianceAdherence to state and federal insurance laws, including licensing requirements, disclosure standards, and anti-money laundering regulations.
IntermediateFinancial Needs AnalysisUsing quantitative tools to calculate a client's financial gaps to recommend appropriate coverage for income replacement or estate planning.
IntermediateCustomer Relationship Management (CRM)Proficiency in using digital platforms to track lead generation, policy renewals, and ongoing client communication.
Soft Skills
AdvancedActive ListeningA communication technique involving fully concentrating, understanding, and responding to a client's verbal and non-verbal cues.
AdvancedEthical Sales PracticesCommitment to transparency and honesty in representing policy terms, conditions, and exclusion clauses.