How to become an insurance representative
Official title: Insurance representatives
Also called: Insurance agent, Insurance broker, Insurance underwriter
Insurance representatives advise on and sell life, accident, automobile, liability, endowment, fire, marine and other types of insurance to new and established clients.
Main tasks
- Obtaining information about customers’ circumstances necessary to determine appropriate type of insurance and conditions
- Negotiating with customers to determine type and degree of risk for which insurance is required
- Explaining details of insurance and conditions, risk coverage premiums and benefits to customers
- Assisting clients to determine the type and level of coverage required, calculating premiums and establishing method of payment
- Negotiating and placing reinsurance contracts
- Advising on, negotiating terms for and placing insurance contracts for large or special types of projects, installations or risks
Ways in
- Qualifications Framework: Vocational Qualifications Pathway: Insurance. The Qualifications Framework publishes a Vocational Qualifications Pathway for the Insurance industry (保險業), showing QF-recognised qualifications by level: https://www.hkqf.gov.hk/insurance/en/vqp. Link between the industry and this job by Peernovo.
Pay · Outlook · AI and this job
- Median pay: HK$27,000 a month
- About 1,542,900 people in 2025, and about 1,639,100 projected by 2028. (+6.2%)
- Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.
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Questions people ask
How do I become an insurance representative?
Ways in include: Vocational Qualifications Pathway: Insurance.
Do you need a degree to become an insurance representative?
Not always. 50% of people in this job hold a bachelor's degree or higher. Ways in include: Vocational Qualifications Pathway: Insurance.
Will AI change the work of an insurance representative?
Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.
Sources
- Census and Statistics Department (2021 Population Census): 2021 Population Census, Interactive Data Dissemination Service: working population by occupation (38 groups) and sex, age, education, income; median income and field of education (9 groups) (2021 Population Census), retrieved 4 October 2026
- Census and Statistics Department (General Household Survey): Median monthly employment earnings by occupation (9 groups), excluding foreign domestic helpers (Table 210-06317A); employed persons by occupation, age and sex (210-06307A) and by industry (210-06308A) (2025 annual (series to 2026-07)), retrieved 4 October 2026
- Labour and Welfare Bureau; tables published by C&SD: Mid-term Update of Manpower Projection to 2028: supplementary statistical tables (5 occupation groups, 17 selected industries) (2025 to 2028 (published 2026-09)), retrieved 4 October 2026
- International Labour Organization, Generative AI and Jobs: A Refined Global Index of Occupational Exposure (ILO Working Paper 140, Gmyrek et al.) (ILO Working Paper 140, May 2025, Annex Table A1), CC BY 4.0, retrieved 4 October 2026
Updated 4 October 2026