# Life Insurance Producer

*/JobTypes/Life_Insurance_Producer*

Departments: Life & Health Division, Wealth Management Group, Retail Agency Sales, Executive Benefits Practice, Bancassurance Division, Individual Life Sales.

## Neighborhood

### Parent

- [Insurance Sales Agents](/Occupations/Insurance_Sales_Agents) — parent · Occupations

### Siblings

- [Captive Personal Lines Agent](/JobTypes/Captive_Personal_Lines_Agent) — siblings · JobTypes
- [Direct-to-Consumer Inside Sales Agent](/JobTypes/Direct-to-Consumer_Inside_Sales_Agent) — siblings · JobTypes
- [Employee Benefits Broker](/JobTypes/Employee_Benefits_Broker) — siblings · JobTypes
- [Excess and Surplus Lines Broker](/JobTypes/Excess_and_Surplus_Lines_Broker) — siblings · JobTypes
- [Farm and Ranch Insurance Agent](/JobTypes/Farm_and_Ranch_Insurance_Agent) — siblings · JobTypes
- [High-Net-Worth Private Client Risk Advisor](/JobTypes/High-Net-Worth_Private_Client_Risk_Advisor) — siblings · JobTypes
- [Independent Commercial Lines Producer](/JobTypes/Independent_Commercial_Lines_Producer) — siblings · JobTypes
- [Medicare Field Sales Agent](/JobTypes/Medicare_Field_Sales_Agent) — siblings · JobTypes
- [Surplus Lines Broker](/JobTypes/Surplus_Lines_Broker) — siblings · JobTypes

### Required knowledge

- [Tax Treatment of Insurance Proceeds](/Knowledge/Tax_Treatment_of_Insurance_Proceeds) — requires knowledge · Knowledge
- [Personal Finance](/Knowledge/Personal_Finance) — requires knowledge · Knowledge
- [Insurance Regulations and Suitability](/Knowledge/Insurance_Regulations_and_Suitability) — requires knowledge · Knowledge
- [Life and Annuity Products](/Knowledge/Life_and_Annuity_Products) — requires knowledge · Knowledge

### Engage in

- [Recommend Life and Annuity Products](/Activities/Recommend_Life_and_Annuity_Products) — engage in · Activities
- [Conduct client needs analysis and risk profiling](/Activities/Conduct_client_needs_analysis_and_risk_profiling) — engage in · Activities

### Perform

- [Recommend Life and Annuity Products](/Tasks/Recommend_Life_and_Annuity_Products) — perform · Tasks
- [Quote and Illustrate Policies](/Tasks/Quote_and_Illustrate_Policies) — perform · Tasks
- [Prospect and generate referrals for new business](/Tasks/Prospect_and_generate_referrals_for_new_business) — perform · Tasks
- [Conduct periodic policy reviews and beneficiary updates](/Tasks/Conduct_periodic_policy_reviews_and_beneficiary_updates) — perform · Tasks
- [Deliver issued policies and review terms with clients](/Tasks/Deliver_issued_policies_and_review_terms_with_clients) — perform · Tasks
- [Collect underwriting requirements and schedule medical exams](/Tasks/Collect_underwriting_requirements_and_schedule_medical_exams) — perform · Tasks
- [Complete and submit applications to underwriting](/Tasks/Complete_and_submit_applications_to_underwriting) — perform · Tasks
- [Conduct client needs analysis and risk profiling](/Tasks/Conduct_client_needs_analysis_and_risk_profiling) — perform · Tasks

### Problems this exposes

- [beneficiary designations go stale after client divorce/birth events with no trigger prompting an update](/Problems/beneficiary_designations_go_stale_after_client_divorce%2Fbirth_events_with_no_trigger_prompting_an_update) — exposes problem · Problems
- [application kicked back not-in-good-order by each carrier's distinct field rules, reworked blind to the carrier's checklist](/Problems/application_kicked_back_not-in-good-order_by_each_carrier's_distinct_field_rules,_reworked_blind_to_the_carrier's_checklist) — exposes problem · Problems
- [ordered labs/EKG requirements differ per carrier and face amount, so a missed requirement surfaces only as an underwriting hold](/Problems/ordered_labs%2FEKG_requirements_differ_per_carrier_and_face_amount,_so_a_missed_requirement_surfaces_only_as_an_underwriting_hold) — exposes problem · Problems
- [paramed exam (ExamOne/APPS) and attending-physician-statement retrieval scheduled around client availability with no status feed back to the producer](/Problems/paramed_exam_(ExamOne%2FAPPS)_and_attending-physician-statement_retrieval_scheduled_around_client_availability_with_no_status_feed_back_to_the_producer) — exposes problem · Problems
- [client needs-analysis and risk profiling re-keyed into each carrier's app rather than reused across quotes](/Problems/client_needs-analysis_and_risk_profiling_re-keyed_into_each_carrier's_app_rather_than_reused_across_quotes) — exposes problem · Problems
- [product-suitability matching of life/annuity options across carriers' features and ratings done from memory](/Problems/product-suitability_matching_of_life%2Fannuity_options_across_carriers'_features_and_ratings_done_from_memory) — exposes problem · Problems
- [state-specific policy-delivery requirements (signed delivery receipts, free-look notices) tracked manually per issued policy](/Problems/state-specific_policy-delivery_requirements_(signed_delivery_receipts,_free-look_notices)_tracked_manually_per_issued_policy) — exposes problem · Problems
- [underwriting back-and-forth on medical records stalls policy issue for weeks](/Problems/underwriting_back-and-forth_on_medical_records_stalls_policy_issue_for_weeks) — exposes problem · Problems
- [in-force policy reviews skipped, leaving lapse risk unflagged](/Problems/in-force_policy_reviews_skipped,_leaving_lapse_risk_unflagged) — exposes problem · Problems
- [replacement-suitability paperwork (NAIC) assembled manually per state](/Problems/replacement-suitability_paperwork_(NAIC)_assembled_manually_per_state) — exposes problem · Problems
- [illustration software re-run by hand for every premium/rider permutation](/Problems/illustration_software_re-run_by_hand_for_every_premium%2Frider_permutation) — exposes problem · Problems
- [carrier appointment and CE-license status tracked across disconnected portals](/Problems/carrier_appointment_and_CE-license_status_tracked_across_disconnected_portals) — exposes problem · Problems

### Uses software

- [Carrier Portal](/Software/Carrier_Portal) — uses software · Software
- [Electronic Application and E-Signature Platform](/Software/Electronic_Application_and_E-Signature_Platform) — uses software · Software
- [Customer Relationship Management System](/Software/Customer_Relationship_Management_System) — uses software · Software
- [Insurance Quoting and Illustration Software](/Software/Insurance_Quoting_and_Illustration_Software) — uses software · Software

### Requires ability

- [Problem Sensitivity](/Ability/Problem_Sensitivity) — requires ability · Ability
- [Speech Clarity](/Ability/Speech_Clarity) — requires ability · Ability
- [Persuasion Capacity](/Ability/Persuasion_Capacity) — requires ability · Ability
- [Oral Expression](/Ability/Oral_Expression) — requires ability · Ability

### Required skills

- [Prospecting and Lead Generation](/Skills/Prospecting_and_Lead_Generation) — requires skill · Skills
- [Suitability Assessment](/Skills/Suitability_Assessment) — requires skill · Skills
- [Client Relationship Management](/Skills/Client_Relationship_Management) — requires skill · Skills
- [Policy Illustration](/Skills/Policy_Illustration) — requires skill · Skills
- [Needs-Based Selling](/Skills/Needs-Based_Selling) — requires skill · Skills