How to become an intermediary of an insurance company for a civil liability insurance company. Insurance agent
Profession insurance agent involves constant contact with people and negotiation. The profession sells insurance services that are difficult to understand. Therefore, it is very important for a specialist to have good communication skills, the ability to work with information, listen and convince in order to achieve success in this area.
What does an insurance agent do? Clarifies the needs of the client, offers the necessary insurance options, explains the nuances of insurance rates, conditions compensation payments, concludes contracts on behalf of the insurance company and controls their execution.
Places of work
Insurance agents work for insurance companies and can have different specializations:
- personal insurance (life, health, various life events);
- property insurance;
- liability Insurance;
- insurance of business risks.
History of the profession
Insurance originated 2000 BC, when professional communities (shipbuilders, drivers, traders) agreed in advance to distribute losses among themselves in the event of an attack, theft, natural disaster, etc. V Ancient rome there were special colleges that collected insurance premiums, let them grow at interest and paid "insurance sums".
In the Middle Ages, there are two main areas - personal and property insurance. In Russia, only in 1827, by decree of Nicholas I, the first "private company for insuring property against fire" was created. In the XX century, insurance developed intensively, there was an active accumulation of insurance capital.
Today, more and more organizations and citizens consciously choose insurance as an effective mechanism to protect their property and personal interests. That is why the profession of an insurance agent is very popular and in demand.
Obligations of an insurance agent
They are a lot like the responsibilities of a sales manager in that they are selling services. Job responsibilities insurance agent are as follows:
- active sales (customer search, telephone and personal negotiations, conclusion of contracts);
- maintenance of the existing customer base (extension and expansion of insurance agreements);
- advice on the specifics of various types of insurance;
- document management (contracts, invoices, acts, etc.);
- solution of issues related to damage assessment and insurance payments;
- analysis of the reasons for violation of contracts and taking measures to eliminate them.
Also, the functions of an insurance agent may include:
- preparation statistical reporting- weekly, monthly, yearly;
- collection of insurance payments.
Requirements for an insurance agent
Typically, companies have the following requirements for insurance agents:
- sales and negotiation skills;
- communication skills and literate speech;
- activity;
- presentable appearance;
- good knowledge of PCs and office equipment.
Also welcome:
- experience in insurance;
- desire to learn (if an employee with no experience comes to the company).
Insurance Agent Resume Sample
How to become an insurance agent
To become an insurance agent you just need to get started! An insurance agent has enough secondary specialized education and a desire to work in insurance. Insurance companies independently organize training for new employees. Basic skills can be learned already on the job.
Success in the profession depends solely on hard work and dedication. By the way, according to statistics, excellent results in this area are achieved by students and people over 50 years old.
Insurance agent salary
The salary of an insurance agent depends on the size of the agency commission from concluded transactions, which ranges from 10 to 30%. The average monthly income of a beginner is 20 thousand rubles. A successful insurance agent receives about 60-70 thousand rubles a month. Moreover, his maximum income level per month can reach 300 thousand rubles.
Throughout history, mankind has tried to develop effective mechanisms for creating and using the necessary reserves in case of unexpected disasters and losses. The realization that overcoming damage is possible only through joint efforts led to the formation of solidary systems of accumulation of material and financial resources.
This is how the institute of insurance arose, which, in the conditions of the modern market, acquired not only an economic, but also a social function. A person dedicated to the insurance business takes on an important public mission. Therefore, the profession of an insurance agent deserves special respect.
Main tasks and types of insurance
For successful activities in one or another economic sphere understanding is necessary general principles its functioning and knowledge of the main functions performed. Insurance carries out the accumulation of financial resources in order to effectively use them to solve the following important tasks:
- Compensation for damage caused by adverse events.
- Provision of regular insurance assistance when a person reaches a certain age or becomes incapacitated for work (retirement benefits).
- Providing medical care.
- Saving and investing accumulated funds.
Insurance can be personal or property, voluntary or compulsory. Its objects are human life and health, Civil responsibility, property and material values... This diversity determines the formation of the corresponding industries and systems of insurance activities.
Successful work as an insurance agent in each of them implies the possession of a certain set professional knowledge and skills.
Who provides insurance services
Insurance is an object state regulation and is based on the norms of financial and civil law... In accordance with the law, insurance activities are carried out Insurance companies or companies that operate on the basis of special licenses.
These can be public or private companies operating both locally and at the federal and even international level. They can specialize in the provision of individual insurance services or cover several segments of the insurance market.
By assets and authorized capital distinguish between large, medium and small insurance companies. Thus, a powerful, dynamically developing system of insurance market participants with a developed network of horizontal and vertical ties is being formed.
In this structure, the profession of an insurance agent is considered as the most widely demanded one. It assumes the possibility of career growth and implementation in projects of various sizes and financial volumes.
Who is an insurance agent
An insurance agent can be a natural or legal person who, on a contractual basis, represents an insurance company, performing activities in accordance with its defined powers.
An insurance agent acts on behalf of and on behalf of the insurance company. He sells her products, concludes contracts, draws up required documents, accepts insurance premiums, and also pays insurance compensation within the established limits.
Before you understand how to become an insurance agent, it will not be superfluous to find out that most of them in Russia are individuals... The most common practice in the formation of agent networks is the conclusion of civil contracts with agents.
At the same time, insurance agents have the opportunity to conclude separate contracts with various insurance companies and, thus, provide a wider range of insurance services.
In addition, it expands the opportunities for agents to receive additional income. It is also practiced to work as an insurance agent under an employment contract. Let's figure it out further.
Employment
The profession of an insurance agent is included in the " All-Russian classifier professions of workers, positions of employees and wage grades. "An agent hired under an employment contract is paid wage for the performance of functional duties.
The total amount of payment is determined by the company itself, depending on its capabilities and the qualifications of a specialist. Of course, if it comes about a large international organization, then the salary can be quite high. But at the same time, corresponding requirements are put forward for the employee's competencies, his education and work experience.
Free agent work
The agent, having concluded a civil contract, acts as an intermediary between the supplier and the recipient of insurance services. In this sense, the activities of insurance agents contain a significant component of the entrepreneur's labor. In fact, the agent independently finds clients, studies their needs, offers optimal solutions insurance protection.
He prepares and concludes contracts with policyholders, accompanies and services their implementation. The agent's interest is to receive a commission from insurance premiums under contracts that he has concluded with policyholders. The amount of this remuneration and the procedure for financial settlements are determined by the terms of the agreement concluded with the company.
This scheme encourages the agent to earn more money by actively promoting the insurer's products on the market, mastering new types of insurance services.
What you need to know and be able to
A successful agent of an insurance company is, first of all, a competent specialist with comprehensive knowledge of the promoted insurance product and methods of insurance protection. But when working with clients, the requirements for personal qualities are put forward.
The most important thing is the ability to build trusting contact with a potential policyholder. The client must trust the company and to a large extent it depends on its representative.
The agent must demonstrate goodwill and attention, have a disposable appearance, show patience and a willingness to resolve conflict situations.
Equally important are planning skills, willingness to learn, persistence and energy. And in order for the work to bring material and moral satisfaction, it is necessary to have an interest in insurance activities as a profession and a desire to work and earn money.
How can you learn the basics of insurance
Insurance agents are trained in courses of various lengths or in schools run by insurance companies. Training can be full-time or part-time. The educational process uses modern teaching technologies. It includes trainings, business games. Virtual classes, webinars, educational videos are widely used.
For example, the initial training of agents in the Rosgosstrakh company is carried out according to a separate training system, which is called the "Insurance Agent School". All employees of the sales departments of the organization, without exception, must undergo training in it.
In the course of the lesson, students master basic skills of working with clients, study insurance products companies. After studying at school, in the process of work, the insurance agent of "Rosgosstrakh" has the opportunity to improve their skills in the appropriate courses, to master the features of managing the insurance business.
Where to begin
So, after getting an initial understanding of the profession of an insurance agent, evaluating the pros and cons, the question "how to become an insurance agent?" acquired the strength necessary to bring it to life.
To begin with, it is advisable to decide on the choice of the company in which you would like to work. It is prudent for a newcomer to contact organizations that have a long-standing positive reputation in the insurance market and provide an opportunity to receive initial training.
In addition, it is advisable to pay attention to how the company builds relationships with its agents. For example, the largest insurance company Rosgosstrakh separately emphasizes the importance of cooperation with 65,000 agents who represent it in all regions of Russia. All the conditions for a successful start in the insurance market have been created for them.
What affects the size of the agent's earnings
The conditions for the agent to receive a commission are determined by the contract with the insurance company. At the same time, there are objective reasons that affect the amount of possible earnings. First of all, this is the region in which the agent works, since the level of the population's wealth affects its ability to save additional funds, including for insurance needs. For example, an insurance agent of Rosgosstrakh can earn up to 80,000 rubles in the capital region, while in the country the amount of income can range from 10,000 to 30,000 rubles.
All other things being equal, the amount of income of an insurance agent depends on how competently he can plan and organize his activities. Will he be able to form an adequate portfolio of proposals? How effectively he organizes the attraction of customers and further interaction with them.
The modern world forces us to constantly change, to master new types of activities and specialties. The profession of an insurance agent provides people who have chosen it with the opportunity not only to earn money, but also to reveal their entrepreneurial potential, to find a wide range of useful and pleasant acquaintances, to constantly keep up with the times, and, most importantly, to benefit people.
Insurance is one of the most promising and fastest growing branches of Russian business today. According to studies of various rating agencies and publications, the growth rate of the Russian insurance market is from 30% to 70% per year. Due to the rapid dynamics of the development of the insurance market in general and our company in particular, specialists of different levels have an excellent opportunity to plan and develop their careers. Our company is the flagship of the insurance business, the largest insurer in Russia, investing a lot of money and time in the development of its own employees.
We train our employees
The company has created and fully operates the Corporate University, which trains middle and top managers who have the most modern and unique knowledge and experience in the field of insurance, management, economics, which form the basis of the company's talent pool; there is also a Business School, an Insurance Agent School, Sistema distance learning, which are designed to improve the level of professional knowledge and skills of the company's personnel.
The history of the company begins in 1921
If you look into history, insurance activities in Russia began in the days of Catherine II. In 1781, the Empress issued the Charter of the Merchant Shipping Company, which included a regulation on marine insurance. The Manifesto of June 28, 1786 established the State Loan Bank, the insurance expedition of which was ordered to insure in all cities the insurance of stone houses that were pledged in the said bank.
On October 6, 1921, the Council of People's Commissars of the RSFSR adopts a decree About the state property insurance ... From this day on, the history of the Russian State Insurance Organization and Insurance in modern Russia begins.
Agree, it is prestigious to work in a company that has already turned 97 years old.
It's easy to become an agent
It is difficult to imagine the activities of Rosgosstrakh without our 35,000-strong army of agents. This profession is available to absolutely anyone, regardless of education, place of residence, gender or age. In the ranks of our agents there are retired military men, pensioners, and students - that is, all those who want to lead an active lifestyle, work according to a convenient schedule for him and earn as much as he wants. This profession is one of the most promising in today's Russia, because insurance is the most dynamically developing area of business in our country.
An insurance agent is not just a seller of a service; the agent's mission is to bring insurance culture to the population of Russia. The insurance products offered by the agent give a person a sense of security and confidence in their material well-being.
What are the requirements for applicants for existing positions?
Main criteria:
- desire to work and earn;
- desire to work with people;
- desire to learn;
- interest in insurance as a kind of activity.
Education and work experience:
- education can be both higher and secondary;
- candidates with experience in working with people are preferred - teachers, teachers, doctors, salesmen, waiters;
- students and alumni who are active and eager to gain work experience;
- insurance agents from other companies;
- retired military;
- salespeople with experience in online sales;
- v countryside, taking into account the specifics, a respected person in the village - an agronomist, accountant, veterinarian, etc.
Communication skills and skills:
- the ability to establish and develop contact;
- the ability to listen to the interlocutor;
- resourcefulness in communication;
- the ability to resolve conflict situations;
- the ability to make simple arithmetic calculations.
The main duty of the agent is to advise the client on the insurance products of the Company, to help the consumer in choosing a product that meets the current or future needs of him and his loved ones.
An insurance agent is not just a seller of a service; the agent's mission is to bring insurance culture to the population of Russia. The insurance products offered by the agent give a person a sense of security and confidence in their material well-being.
What material compensation can a candidate for the position of an agent expect?
The agent's earnings depend only on himself, on how he can organize his working time, whether he has a balanced client portfolio, how he will build his relationships with clients, both existing and potential. A successful agent, for example in Moscow, can earn from 50,000 to 80,000 thousand rubles a month.
In the regions of Russia, the agent's income fluctuates greatly, because the area in which the agent works has a big impact. His income is strongly tied to the well-being of the people among whom he lives and works. On average in Russia, an agent's earnings range from 10,000 to 30,000 rubles.
Consider what he is doing insurance agent, what is insurance agent work how interesting and promising it is. Today this type of cooperation is in great demand on the part of insurers. Advertisements like “insurance agents are required” or “work in an insurance company” can be found literally everywhere: from poles to job portals.
For companies, this is a fairly convenient option for promoting their services. And what does he represent from the point of view of job seekers - today we will try to figure it out.
Insurance agent profession.
So let's take a look at what an insurance agent does. “Profession” - this is probably said loudly, since almost any person with certain skills (they will be discussed below), who has the desire and ability to sell insurance products of the company on the basis of a partnership agreement, can become an agent of an insurance company.
The main requirements for insurance agents:
- High level of communication skills, ability to communicate with different people and conduct business negotiations;
Now let's look at the main advantages and disadvantages of working as an insurance agent.
Working as an insurance agent: advantages.
1. Undemanding to candidates for vacancies. Almost anyone can become an insurance agent.
2. Training at the expense of the company. As a rule, insurance companies provide training and all kinds of trainings, seminars, refresher courses for their insurance agents. On them you can get useful knowledge and skills free of charge, which will be useful in other work, other life spheres.
3. Free work schedule. Independent, having free time, the ability to combine the work of an insurance agent with another job or own business.
4. Good pay for good work. An insurance agent selling a large number of policies makes good money. In this work, there is always material motivation to achieve high results.
5. Career prospect. The insurance business is an area in which not everyone can work well and earn money, and therefore there is often a high turnover of staff. Thus, an insurance agent with high sales rates can gradually move to work in the company's office, become the head of this office.
6. Rest at the expense of the company and other privileges. This advantage of being an insurance agent applies to those who work for international life companies, which often host international corporate events to which the best employees are invited.
Working as an insurance agent: disadvantages.
1. Dependence of income on sales figures. The lack of a fixed salary is a significant disadvantage for many people. This is especially important for those who do not have other sources of income: the work of an insurance agent, especially at first, may not give the desired level of income.
2. Distrust of the population in insurance products. Today, what can be combined into the concept of "insurance culture" in the post-Soviet countries is at a very low level. There are objective reasons for this: the experience and practice of interaction with insurance companies show that it is often very difficult to receive insurance compensation in reality, and insurers do their best not to pay it or to underestimate the payment as much as possible. Accordingly, it is very difficult to convince people to have insurance coverage.
By the way, in developed countries things are different: there the average resident has several different insurances at once.
3. Independent search for clients. The work of an insurance agent “at home” implies the need to independently develop a client base. And this is not so easy, especially in the absence of the necessary knowledge and experience.
4. Personal responsibility. If the person who issued the insurance product has problems obtaining insurance compensation(which, as we know, is a very common phenomenon), who will all the negativity fall on? That's right - the insurance agent who sold it to him. Therefore, the insurance agent must also be ready to "settle" all kinds of controversial situations, and his earnings will not depend on this, and he will have to spend a lot of nerves.
Now, seeing the main pros and cons of working as an insurance agent, I think you will be able to form your opinion and decide whether such a job is right for you or not.
In conclusion, some statistics: studies show that the greatest success in the work of insurance agents is achieved by 2 categories of people: students and people over the age of 50. At first glance, they are completely different groups of the population, but if you think about it, you can find a logical explanation for this.
Since the job of an insurance agent is available to everyone, it is often chosen by students with no work experience and looking for part-time jobs to earn money for their studies. Due to their youth, activity and well-developed communication skills, they achieve good success in this matter. And people in adulthood have many of the same old acquaintances, and this is exactly the age when people are already starting to seriously think about insurance, which is a good start to start working as an insurance agent.
Once again, I will highlight an approximate list of categories of people and professions that have the best prerequisites for working as an agent of an insurance company:
- students;
- elderly people, pensioners;
- bank employees;
- employees of auto enterprises;
- healthcare workers;
- people with experience in the field of direct sales;
- employees of large enterprises with a large team.
One insurance agent can work for several insurance companies at once, giving his clients a choice.
I hope this information was interesting and useful to you. In the next article, I will go into more detail on how to become an insurance agent. Stay tuned for updates. Until next time!
Many citizens believe that an insurance broker is the same insurance agent, but there are clear differences between these professions.
The agents represent the interests of the insurance company, but the insurance broker does the work on behalf of the policyholders. Most often, such specialists take on the functions of agents.
What does an insurance broker do?
V modern world intermediaries play an important role. This also applies to the insurance industry. Who is an insurance broker? This is a common intermediary between the client and the insurance company. He helps clients choose one or another insurance product.
Of course, you can call various companies yourself to choose an acceptable insurance option. But this will have to spend a lot of time, which is so lacking in modern people. Therefore, many citizens prefer to use the services of an intermediary. In addition, insurance companies usually tout their services, carefully concealing any flaws. It is much safer and more convenient to contact an independent specialist who will provide you with all the information you need.
If you have worked as an insurance agent and have some knowledge in this area, you can safely go into such a business.Obtaining a license
Two important innovations for brokers have appeared in the insurance law. First of all, this concerns the differentiation with the profession of an agent, and the second is the licensing of brokerage activities. Previously, a license was not required for this, but now certain difficulties have arisen in the creation of such organizations.
First of all, the requirements for personnel have become more stringent. The broker's responsibilities used to include reporting in tax authorities and . Now its activities are controlled by the state, that is, by the insurance authority. In addition, before proceeding with the registration of the license, you need to register as.
Who chooses such a profession?
Most of the insurance brokers are women. It is desirable that the consultant has a pleasant voice and appearance, as well as good diction.
The specialists cooperate with various insurance companies. They enter into contracts with them, in which they indicate the size of the commission for their work, that is, the percentage of the transaction. You will learn how to become an insurance broker in this article.
What skills do you need to work?
Before choosing this profession, should you know what it takes to become an insurance broker?
Let's highlight a few important points:
- Analytical mindset, great patience and communication skills;
- Education. To successfully master such a profession, you need to get a higher economic Education, as well as take special courses organized by the Ministry of Finance. After passing the exam, you will be given all the necessary certificates and a certificate;
- Obtaining a license. Recently, brokers are licensed by the department for admissions to financial market... To get a license, you need to pay state fee and wait a bit until the corresponding document is issued.
After obtaining your license, you are a real insurance broker. But you should not immediately give up further studies, since this is a rather serious profession and in order to master it completely, you will have to spend more than one year.
How to organize the work?
Before starting this type of activity, you need to draw up a step-by-step business plan on how to become an insurance broker. First of all, you need a computer and Internet access. At first, you can do without an office. registration legal entity is necessary to conclude contracts with different insurance companies. To provide your clients with more services, try to establish partnerships with different firms.Clients
Building your own customer base is too long and difficult enough. Usually insurance brokers do not appear out of the blue. Such organizations are created on the basis of existing insurance companies that have their clients. You should be aware that advertising costs largely depend on the availability of a client base.
Franchise work
To create your own company and conclude direct contracts, you need to spend a lot of time and money. State bodies set high demands and take too long to make decisions, which is why many insurance brokers prefer to work on a franchise.
Among the advantages of this method should be highlighted:
- Ready-made contracts with different insurance companies;
- Professional education
- Positive reputation;
- Large client base;
- Legal support;
- Transparency of work.
Franchisees work with insurance companies that make full payments and also offer good discounts to their customers. If you approach work correctly, you can make good profits and count on long-term cooperation.
Activities
Insurance companies offer their clients a variety of programs. The types of insurance brokers, respectively, are also different. Professionals must be able to competently analyze possible risks... Only then can they offer the client a suitable package.
Several firms can be involved to conclude a contract. Thanks to this, brokers stimulate competition in the insurance market.
Scheme: stages of insurance
Their work includes:
- Protection of the client's interests in the event of a dispute with the insurer;
- Service consulting;
- Negotiating the terms of insurance compensation;
- Execution of contracts and settlement of losses;
- Providing guarantees.
If you decide to become an auto insurance broker, you need to learn how to choose the most profitable options for clients among the many types of insurance. Different companies look at prices and insurance conditions differently, so a specialist must be competent in any matters related to this area.
For example, some insurers offer more attractive terms for premium cars, because the owners treat them more carefully. Other companies consider it a priority to insure budgetary foreign cars, as well as domestically produced cars, since their repair is much cheaper. There are many options, so real professionals should be able to quickly navigate in different situations.
Related Videos Related Videos
Features of work
It is important to remember that the broker is an intermediary, so he cannot represent one party to the contract. That is, he is not responsible for fraudulent actions or negligence in its implementation. But if, as a result of the actions of the broker, the client has suffered damage, he has the right to collection.
International insurance companies use in their work the "broker's right to a policy", that is, until the policyholder pays the premium, he can keep the policy. This is a reasonable approach, since, without having a contract in hand, the client has no right to make a claim.
Summing up
The insurance market is diverse, so everyone can easily find a place for themselves. Now that you know how to become an insurance company broker, you can start realizing your dream. In addition, if you are interested in a question,- International financial reporting standards (ifrs): functions, principles and documents
- Accounting and distribution of general production costs What is the accounting procedure for general production and general expenses
- New School Subject - Financial Literacy An article on financial literacy in school
- Attraction of investments in business projects