Top 20 Interview Questions & Answers for Life Insurance Agent - 2025

Are you preparing for an interview as a life insurance agent? These questions will help you showcase your knowledge, skills, and experience in the industry, and prove that you are the right fit for the job. From understanding insurance policies to handling customer requests and building client relationships, these questions cover all key areas of the role.

General Questions

• 1. What motivated you to become a life insurance agent?
  Answer: I have always been passionate about helping people secure their financial future and provide for their loved ones. Becoming a life insurance agent allows me to do just that while also challenging myself to succeed in a competitive industry.
• 2. What do you think are the most important qualities for a successful life insurance agent?
  Answer: In my opinion, a successful life insurance agent should possess excellent communication skills, strong analytical abilities, and a deep knowledge of insurance policies and products. They should also be organized, proactive, and have a passion for helping people.
• 3. How do you stay up-to-date with the latest industry trends and changes in insurance policies?
  Answer: I make sure to attend conferences, workshops, and training programs organized by insurance companies and industry associations. I also regularly read industry publications and network with other agents to stay informed and updated.
• 4. Can you walk me through your experience as a life insurance agent?
  Answer: I have been working as a life insurance agent for the past five years, and during this time, I have helped numerous clients secure their financial future with the right insurance policies. I have also consistently met and exceeded my sales targets, received positive feedback from clients, and earned several company awards for my performance.
• 5. How do you handle rejection or objections from potential clients?
  Answer: I understand that rejection is a natural part of the job, and I don't take it personally. When faced with objections from potential clients, I try to understand their concerns and provide them with relevant information and solutions to address them. I am also persistent and continue to follow up with them in a respectful manner.

Technical Skills & Knowledge

• 6. Can you explain the difference between term and whole life insurance?
  Answer: Term life insurance provides coverage for a set period, usually 10-30 years, while whole life insurance provides coverage for the insured's entire life. Term life insurance is typically more affordable, but whole life insurance offers a savings component and can be used as an investment vehicle.
• 7. How do you determine the appropriate coverage and premium for a client?
  Answer: I assess the client's financial situation, obligations, and future needs to determine the amount of coverage they need. I also consider their age, lifestyle, and health conditions to determine the premium they can afford to pay.
• 8. How familiar are you with insurance laws and regulations?
  Answer: I am well-versed in insurance laws and regulations, including those related to sales, licensing, and consumer protection. I make sure to comply with these laws and maintain my license and certifications.
• 9. Have you ever had to deny coverage to a client, and how did you handle it?
  Answer: Yes, there have been instances where I had to deny coverage to a client due to non-disclosure of information or failing to meet the criteria. In these situations, I explain the reasons clearly and offer alternative options or refer them to other agents who may be able to help them.
• 10. How do you handle confidential client information?
  Answer: I understand the importance of keeping client information confidential, and I take all necessary measures to protect it. This includes following data protection laws, using secure systems, and only sharing information with people who have a legitimate need to know.

Behavioral Questions

• 11. Tell me about a time when you successfully convinced a client to purchase a life insurance policy.
  Answer: In one instance, I had a client who was hesitant to purchase life insurance because they thought they didn't need it. I asked probing questions to understand their concerns and provided them with different options that aligned with their needs and budget. Eventually, they chose a policy that offered comprehensive coverage and fit their budget.
• 12. How do you handle a difficult client or a client who is unhappy with their policy?
  Answer: I first try to understand the reason for their dissatisfaction and empathize with them. I then explain the terms and conditions of their policy and options available to address their concerns. If necessary, I escalate the matter to my supervisor and work together to find a satisfactory solution for the client.
• 13. Can you give an example of a time when you had to multitask and prioritize tasks effectively?
  Answer: As a life insurance agent, I have to balance my time between meeting with clients, following up on leads, and completing administrative tasks. In one instance, I had a meeting with a potential client, but I also had to submit a client's policy application before the end of the day. I prioritized submitting the application first, and then I rescheduled my meeting with the potential client.
• 14. How do you handle competing priorities or deadlines?
  Answer: I prioritize tasks based on urgency and impact, and I communicate with my team and supervisor to ensure everyone is on the same page. If necessary, I delegate tasks to others or seek assistance to meet the deadlines.
• 15. Tell me about a time when you went above and beyond for a client.
  Answer: I had a client who was going through a difficult time financially and couldn't afford a life insurance policy that met their needs. I worked with my team and the insurance company to find a solution that provided them with sufficient coverage at a lower premium. The client was grateful, and I gained their trust and loyalty.

Situational Questions

• 16. How would you handle a situation where a client is not satisfied with their policy because it doesn't cover a specific expense they expected it to cover?
  Answer: I would first explain the terms and conditions of the policy and the reasons why the expense is not covered. Then, I would offer alternative solutions, such as upgrading the policy or adding a rider that covers the expense in question.
• 17. How would you handle a situation where a client cancels their policy before the end of the policy term?
  Answer: I would first try to understand the reason for the cancellation and address any concerns the client may have. If they still wish to cancel, I would follow the company's cancellation procedure and provide any necessary documents or information to expedite the process.
• 18. How would you handle a situation where a potential client doesn't qualify for the policy they applied for due to a pre-existing medical condition?
  Answer: I would first confirm the information with the client and gather any necessary medical records. Then, I would evaluate other policy options that may be available to them, such as a graded death benefit policy or a guaranteed issue policy. I would also explain the implications of these options and help the client make an informed decision.
• 19. How would you handle a situation where a client wants to make changes to their policy, but it is already in effect?
  Answer: I would first determine the type of changes the client wants and the impact it may have on their policy. If it is a minor change, I would assist the client with the necessary paperwork. If it is a significant change, I would consult with my supervisor and the insurance company to determine the options available to the client.
• 20. How would you handle a situation where a client is unhappy with a premium increase?
  Answer: I would first explain the reasons for the increase, such as changes in the client's age or health conditions or changes in the industry. Then, I would offer alternative policy options that may have a lower premium or suggest ways for the client to reduce their premium, such as choosing a longer term or adjusting their coverage amount.