wikiHow to Become a Life Insurance Broker

Most people don't want to think about their own death, which is why life insurance can be a hard sell. In fact, life insurance has one of the top product commissions in the entire industry due to its level of difficulty. Becoming a life insurance broker only requires a license. However, being a successful life insurance broker requires hard work, motivation, good communication skills and much more.


  1. Image titled Become a Life Insurance Broker Step 1
    Research requirements for becoming a life insurance broker, which vary by location. Some states require a certain number of training hours before you take a state licensing exam. Check your state's insurance department website for specifics.
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    Take business courses or training geared to life insurance brokers. A degree is not required. Even if your state doesn't require you to train or take classes before taking a licensing exam, it will benefit you in your new profession.
    • You can find training courses through national, state or regional professional life insurance organizations, as well as through insurance agencies.
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    Take the state licensing exam, which covers life insurance basics and insurance laws in your state. To prepare, consider purchasing a state exam book that includes a practice exam or enroll in a prep course.
  4. Image titled Become a Life Insurance Broker Step 4
    Apply for an insurance broker's license. You must submit the application, proof of education (if required) and proof that you passed a state exam to your state's insurance department. You must renew the license after a period of time, usually every two years.
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    Become a member in industry associations, including the National Association of Insurance and Financial Advisers, the National Alliance of Life Companies and the National Association of Independent Life Brokerage Agencies. Join organizations with a strong presence in your area to get the most from a group's training and networking opportunities.
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    Establish an office.
    • As you first start out, you might be able to work out of a home office. As you get established, you may want to look for a visible outside office space to meet your needs. Look for a clean office that has an inviting atmosphere.
    • Purchase a desk, computer, business cards, stationary and printer. For software, make sure you have an office program that has an invoice option.
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    Practice salesmanship skills.
    • Listening is the most important. You have to be able to hear what the potential client really wants and be able to provide him with a plan that fits his needs. Customers will trust you if you listen.
    • Explain the parts of a life insurance policy that will benefit a customer most. Be persistent at following up after every appointment but be careful about over-doing it. No client wants to feel bullied into buying a policy.
    • Make sure your sales pitch and presentation are well thought out and practiced, highlighting the key areas of interest to your potential customer.
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    Market yourself by advertising in a variety of mediums, including the local newspaper or radio station, or billboards. Design a website that's not only attractive but contains helpful information.
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    Advance your career by becoming a certified broker. Certification is a special designation given to those with expertise in their area of insurance. Professional organizations, including the National Alliance for Insurance Education and Research, offer courses in which you must master to become certified.
    • Though completely voluntary, certification can help you stand out from the competition. Continuing education in your field is required in order to keep such a designation.


  • Brokers who sell life insurance plans that are tied to investments must also be registered and licensed with the Securities and Exchange Commission or the National Association of Securities Dealers (NASD). That requires another test and considerable preparation. The NASD administers the test and there's two different parts - a Series 6 or Series 7, depending on what kind of securities you want to sell.


  • Different agencies may offer you a bonus or other incentive for selling a particular policy. However, you must make sure you act ethically to give each client a policy that meets his needs. A happy customer should be your highest priority.

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