Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as independent broker, or be employed by an insurance company. Calculate premiums and establish payment method. Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries. Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.