How to become an intermediary of an insurance company for OSAGO. Insurance agent
The profession of an insurance agent involves constant contact with people and negotiation. A 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? It clarifies the needs of the client, offers the necessary insurance options, clarifies the nuances of insurance rates, the conditions for compensation payments, concludes contracts on behalf of the insurance company and monitors their implementation.
Places of work
Insurance agents work in insurance companies and may have different specializations:
- personal insurance (life, health, various life events);
- property insurance;
- liability Insurance;
- business risk insurance.
Profession history
Insurance arose 2 thousand years BC, when professional communities (shipbuilders, drovers, merchants) agreed in advance to share losses among themselves in case of attack, theft, natural disaster, etc. In ancient Rome, special colleges appeared that collected insurance premiums, allowed them to grow at interest and paid “insurance amounts”.
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 from fire" was created. In the XX century, insurance developed rapidly, there was an active accumulation of insurance capital.
Today, more and more organizations and citizens are consciously choosing insurance as an effective mechanism for protecting their property and personal interests. And therefore, the profession of an insurance agent is very in demand and popular.
Responsibilities of the insurance agent
In many ways, they are similar to the duties of a sales manager, as they consist in selling services. The duties of the insurance agent are as follows:
- active sales (customer search, telephone and personal negotiations, conclusion of contracts);
- maintaining an existing customer base (extension and expansion of insurance agreements);
- consultations on the features of various types of insurance;
- document management (contracts, accounts, acts, etc.);
- resolving issues of damage assessment and insurance payments;
- analysis of the reasons for the violation of contracts and taking measures to eliminate them.
Also, the functions of the insurance agent may include:
- preparation of statistical reports - weekly, monthly, annual;
- collection of insurance payments.
Insurance Agent Requirements
Typically, companies have the following requirements for insurance agents:
- sales and negotiation skills;
- sociability and competent speech;
- activity;
- presentable appearance;
- good knowledge of PC and office equipment.
Also welcome:
- experience in insurance;
- desire to learn (if an employee with no experience comes to the company).
Sample Insurance Agent Resume
How to become an insurance agent
To become an insurance agent, you just need to start! The insurance agent has enough specialized secondary education and a desire to work in insurance. Insurance companies independently organize training for new employees. Basic skills can be obtained already in the process.
Success in the profession depends solely on hard work and determination. By the way, according to statistics, students and people over 50 years old achieve excellent results in this area.
Insurance Agent Salary
The salary of the insurance agent depends on the size of the agency commission from the transactions concluded, 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, its maximum income per month can reach up to 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 only possible through joint efforts has led to the formation of joint systems for the accumulation of material and financial resources.
So 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 undertakes an important public mission. Therefore, the profession of an insurance agent deserves special respect.
The main objectives and types of insurance
For successful activity in a particular economic sphere, an understanding of the general principles of its functioning and knowledge of the main functions performed are necessary. Insurance carries out the accumulation of financial resources in order to effectively use them to solve the following important tasks:
- Compensation for damage resulting from adverse events.
- Providing regular insurance assistance when a person reaches a certain age or disability (retirement benefits).
- The provision of medical care.
- Saving and investing accumulated funds.
Insurance may be personal or property, voluntary or compulsory. Its objects are human life and health, civic responsibility, property and material values. This diversity determines the formation of relevant industries and insurance systems.
Successful work as an insurance agent in each of them implies possession of a certain set of professional knowledge and skills.
Who provides insurance services
Insurance is an object of state regulation and is based on the norms of financial and civil law. In accordance with the law, insurance activities are carried out by insurance companies or companies that operate on the basis of special licenses.
These can be state or private companies operating both at the local, federal and even international level. They may specialize in the provision of individual insurance services or cover several segments of the insurance market.
By the size of assets and authorized capital, large, medium and small insurance companies are distinguished. Thus, a powerful, dynamically developing system of insurance market participants is formed with a developed network of horizontal and vertical connections.
In this structure, the profession of an insurance agent is considered as the most widely demanded. It implies 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 actions in accordance with the powers defined by it.
The insurance agent acts on behalf of and on behalf of the insurance company. He sells her products, concludes contracts, draws up the necessary documents, accepts insurance premiums, and also, within the limits of established restrictions, pays insurance compensation.
Before you understand how to become an insurance agent, it will not be out of place to find out that most of them in Russia are individuals. The most common practice of forming 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 larger list of insurance services.
In addition, this expands the opportunities for agents to receive additional earnings. The practice of working as an insurance agent under an employment contract is also practiced. We will understand further.
Employment
The profession of an insurance agent is included in the All-Russian Classification of the Occupations of Workers, Positions of Employees and Tariff Ranks. An agent hired by an employment contract is paid a salary for performing functional duties.
The total amount of payment is determined by the company itself, depending on its capabilities and specialist qualifications. Of course, if we are talking about a large international organization, then the salary can be very high. But at the same time, appropriate requirements are put forward to the competencies of the employee, his education and work experience.
Work as a free agent
The agent, having concluded a civil contract, acts as an intermediary between the provider and 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 insurance protection solutions.
He prepares and concludes contracts with policyholders, accompanies and maintains their implementation. The agent's interest consists in receiving a commission from insurance premiums under contracts that he has concluded with policyholders. The amount of this remuneration and the procedure for financial settlements is determined by the terms of the contract concluded with the company.
This scheme encourages the agent to earn more money by actively promoting the products of the insurer in the market, and developing 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 about the promoted insurance product and methods of insurance protection. But when working with clients, the requirements for personal qualities are highlighted.
The most important thing is the ability to build a trusting contact with a potential insured. 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 good appearance, be patient and willing to resolve conflict situations.
Equally important qualities are planning skills, a desire to learn, perseverance and energy. And for work to bring material and moral satisfaction, it is necessary to have an interest in insurance activity as a profession and a desire to work and earn money.
How to learn the basics of insurance
The training of insurance agents is carried out at courses of different durations or at schools established by insurance companies. Education is full-time or part-time. The educational process uses modern teaching technology. It includes trainings, business games. Widely used virtual classes, webinars, training videos.
For example, the initial training of agents in the company "Rosgosstrakh" is carried out according to a separate training system, which was called the "School of the insurance agent." All employees of the marketing departments of the organization should be trained in it.
During the classes, students master the basic skills of working with clients, study the company's insurance products. After studying at school, in the course of labor activity, the Rosgosstrakh insurance agent has the opportunity to improve his skills in relevant courses, to master the peculiarities of managing the insurance business.
Where to begin
So, after getting an initial idea of \u200b\u200bthe profession of an insurance agent, evaluating the pros and cons, the question "how to become an insurance agent?" gained the strength necessary to bring it to life.
To begin with, it is advisable to decide on the choice of the company in which I would like to work. It would be wise for a newcomer to apply to organizations that have a long positive reputation in the insurance market and provide an opportunity to get elementary education.
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. For them, all the conditions have been created for a successful start in the insurance market.
What affects the agent’s earnings
The conditions for the agent to receive the commission are determined by the contract with the insurance company. At the same time, there are objective reasons affecting the amount of possible earnings. First of all, this is the region in which the agent works, since the level of prosperity of the population affects its ability to save additional funds, including insurance needs. For example, the Rosgosstrakh insurance agent may have earnings in the metropolitan area of \u200b\u200bup to 80,000 rubles, while in the country the amount of income can range from 10,000 to 30,000 rubles.
Other things being equal, the size of the insurance agent’s income depends on how competently he can plan and organize his activities. Will he be able to form an adequate portfolio of proposals. How efficiently he organizes customer acquisition and further interaction with them.
The modern world makes us constantly change, master new types of activities and specialties. The profession of an insurance agent provides the people who choose it with the opportunity not only to earn, but also to reveal their entrepreneurial potential, to find a wide range of useful and enjoyable acquaintances, to constantly keep up to date, and, most importantly, to benefit people.
Insurance is one of the most promising and fastest growing sectors of the Russian business today. According to studies by various rating agencies and publications, the growth rate of the Russian insurance market ranges from 30% to 70% per year. Due to the rapid development dynamics of the insurance market in general and our company in particular, specialists of different levels have an excellent opportunity for planning and developing their career. 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 provides training for middle and senior managers who own the most modern and unique knowledge and experience in the field of insurance, management, economics, which form the basis of the personnel reserve of the company. There are also a Business School, School of Insurance Agent, System distance learning, which are designed to increase the level of professional knowledge and skills of company personnel.
The history of the company begins in 1921
If you look into history, insurance activity in Russia began back in the time of Catherine the Second. In 1781, the empress issued the Charter of a merchant shipping company, which included a decree on marine insurance. The manifesto of June 28, 1786 established the State Loan Bank, the insurance expedition of which was ordered to insure stone houses in all cities, which are pledged in the named bank.
October 6, 1921 Council of People's Commissars of the RSFSR adopts a decree About state property insurance. From this day begins the history of the Russian State Insurance Organization and Insurance in modern Russia.
Agree, working in a company that is already 97 years old is prestigious.
Becoming an agent is easy
The activities of Rosgosstrakh are difficult to imagine without our 35,000th army of agents. This profession is available to absolutely anyone, regardless of education, place of residence, gender or age. Our agents include retired military personnel, pensioners, and students — that is, all those who want to lead an active lifestyle, work according to a schedule convenient 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 \u200b\u200bbusiness in our country.
An insurance agent is not just a seller of services, the mission of the agent is to carry the 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 requirements do we place on applicants for existing positions?
The main criteria:
- desire to work and earn money;
- desire to work with people;
- desire to learn;
- interest in insurance as a line of business.
Education and work experience:
- education can be both higher and secondary;
- candidates with experience working with people are preferred - teachers, teachers, doctors, sellers, waiters;
- students and graduates who are active and seeking to gain work experience;
- insurance agents from other companies;
- retired military;
- salespeople with online sales experience
- in rural areas, taking into account the specifics, a respected person in the village - an agronomist, accountant, veterinarian, etc.
Communication skills and abilities:
- ability to establish and develop contact;
- ability to listen to the interlocutor;
- resourcefulness in communication;
- 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, help the consumer to choose a product that meets the current or future needs of him and his relatives.
An insurance agent is not just a seller of services, the mission of the agent is to carry the 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 an agent post count on?
The agent’s earnings depend only on himself, on how he will be able to organize his working time, whether he will have a balanced client portfolio, how he will build his relations with clients, both existing and potential ones. A successful agent, for example in Moscow, can earn from 50,000 to 80,000 thousand rubles a month.
In the regions of Russia, agent’s income varies greatly, as the area in which the agent works is a big influence. His income is strongly tied to the well-being of the people among whom he lives and works. The average agent’s earnings in Russia are from 10,000 to 30,000 rubles.
Consider what it does insurance agent, what is insurance agent jobhow interesting and promising it is. This type of cooperation is very much demanded by insurers today. Announcements in the spirit of “insurance agents are required” or “work in an insurance company” can be found literally everywhere: from posts to employment portals.
For companies, this is a fairly convenient option for promoting their services. And what is it from the point of view of job seekers - today we will try to figure it out.
Profession insurance agent.
So, consider what the insurance agent does. “Profession” is probably said loudly, since almost any person who has certain skills (they will be discussed later), who has the desire and ability to sell company insurance products on the basis of a partnership agreement, can become an agent of an insurance company.
The main requirements for insurance agents:
- High level of sociability, ability to communicate with different people and conduct business negotiations;
Now consider the main advantages and disadvantages of working as an insurance agent.
Work as an insurance agent: benefits.
1. Undemanding to job candidates. Almost anyone can become an insurance agent.
2. Training at the expense of the company. As a rule, insurance companies conduct training and all kinds of trainings, seminars, and continuing education courses for their insurance agents. On them you can get free of charge useful knowledge and skills that will be useful in other work and other areas of life.
3. Free work schedule. Independent, the availability of free time, the ability to combine the work of an insurance agent with another job or your own business.
4. Good earnings for a good job. 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 prospects. Insurance business is an area in which not everyone can work well and earn money, and therefore often there is a high turnover of personnel. Thus, an insurance agent with high sales figures can gradually switch to work in the company’s office and become the head of this office.
6. Rest at the expense of the company and other privileges. This advantage of the work of an insurance agent applies to those who work for international life companies, where international corporate events are often held, to which the best employees are invited.
Work as an insurance agent: flaws.
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 income level.
2. Distrust of the population in insurance products. Today, what can be combined into the concept of “insurance culture” in post-Soviet countries is at a very low level. There are objective reasons for this: the experience and practice of interacting with insurance companies show that it is often very difficult to actually get insurance compensation, and insurers do everything possible to avoid paying it or to lower the payout 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 customer search. The work of the insurance agent “at home” implies the need to independently develop a customer base. And this is not so simple, especially in the absence of the necessary knowledge and experience.
4. Personal responsibility. If a person who has issued an insurance product has problems with obtaining insurance compensation (which, as we know, is a very common occurrence), who will fall into all the negative? That's right - to the insurance agent who sold it to him. Therefore, the insurance agent must also be ready to “resolve” all kinds of controversial situations, moreover, 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 can form your opinion and decide whether this work is suitable for you or not.
In conclusion, some statistics: as studies show, the greatest success in working as insurance agents is achieved by 2 categories of people: these are students and people over the age of 50. At first glance, these are completely different population groups, but if you think about it, you can find a logical explanation for this.
Since work as an insurance agent is available to everyone, it is often chosen by students who do not have work experience and are looking for part-time jobs in order to earn 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 beginning to seriously think about insurance, which is a good start to start working as an insurance agent.
Once again, I’ll 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 automobile enterprises;
- health workers;
- people with experience in direct sales;
- employees of large enterprises with a large team.
One insurance agent can work for several insurance companies at once, giving its customers the opportunity to choose.
I hope that this information was interesting and useful to you. In the next article I will talk in more detail about how to become an insurance agent. Stay tuned and stay tuned. See you soon!
Many citizens believe that an insurance broker is the same insurance agent, but there are clear differences between these professions.
Agents represent the interests of the insurance company, but the insurance broker does the work on behalf of the insured. Most often, such specialists assume the functions of agents.
What does an insurance broker do?
In today's world, intermediaries play an important role. This also applies to the insurance industry. Who is an insurance broker? This is a common intermediary between a client and an insurance company. It helps customers pick up a particular insurance product.
Of course, you can call different companies on your own to choose an acceptable insurance option. But it will take 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 praise their services, carefully hiding all the shortcomings. It is much more reliable and convenient to contact an independent specialist who will provide you with all the necessary information.
If you worked as an insurance agent and have certain knowledge in this area, you can safely do this business.Obtaining a license
The insurance law introduced two important innovations for brokers. First of all, this concerns the distinction 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 there are certain difficulties in creating such organizations.
First of all, the requirements for staff were tightened. The obligations of the broker used to include reporting to the tax authorities and. Now its activities are controlled by the state, that is, the insurance body. In addition, before proceeding with a license, you need to register as.
Who chooses such a profession?
Mostly insurance brokers are women. It is advisable that the consultant have a pleasant voice and appearance, as well as good diction.
Specialists cooperate with different insurance companies. They conclude agreements with them in which they indicate the size of the commission for their work, that is, a percentage of the transaction. You will learn how to become an insurance broker from this article.
What skills do you need to work?
Before choosing this profession, you should find out what it takes to become an insurance broker?
We highlight several 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 certificate;
- Obtaining a license. Recently, the department for admittance to the financial market has been engaged in licensing brokers. To obtain a license, you need to pay the state fee and wait a little while they issue the corresponding document.
After obtaining a license, you are a real insurance broker. But do not immediately abandon further studies, since this is a serious enough profession and to master it completely, you will have to spend more than one year.
How to organize the work?
Before you engage in 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 of a legal entity is necessary for concluding agreements with different insurance companies. To provide your customers with more services, try to establish partnerships with different companies.Customers
Developing your own customer base is too long and difficult enough. Usually insurance brokers do not arise out of the blue. Such organizations are created on the basis of existing insurance companies that have their customers. You should know that the cost of advertising also depends on the presence 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. Government agencies put forward high demands and take decisions too long, so many insurance brokers prefer to work on a franchise.
Among the advantages of this method should be highlighted:
- Ready-made contracts with various insurance companies;
- Professional education
- Positive reputation;
- Large customer 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 competently approach work, you can make good profits and count on long-term cooperation.
Activities
Insurance companies offer their clients various programs. Types of insurance brokers, respectively, are also different. Professionals should be able to competently analyze possible risks. Only then can they offer the client a suitable package.
To conclude a contract, you can attract several companies. Thanks to this, brokers stimulate competition in the insurance market.
Scheme: stages of insurance
Their work includes:
- Protecting the interests of the client in the event of a dispute with the insurer;
- Consulting on services;
- Negotiation of insurance claims;
- Registration 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 your clients among the many types of insurance. Different companies have different views on prices and insurance conditions, so a specialist should be competent in any matters relating to this area.
For example, some insurers offer more attractive conditions for premium cars, as owners treat them more carefully. Other companies consider insurance of low-cost foreign cars, as well as domestic cars as a priority, since their repair is much cheaper. There are many options, so real professionals should be able to quickly navigate in different situations.
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Features of work
It is important to remember that a broker is an intermediary, therefore he cannot represent one side of the contract. That is, he is not responsible for fraudulent actions or negligence in its implementation. But if, as a result of the broker's actions, the client was damaged, he has the right to recovery.
International insurance companies use in their work “the right of the broker to the policy”, that is, until the policyholder pays the premium, he can keep the completed policy with him. This is a reasonable approach, because, without having a contract in hand, the client does not have the right to make complaints.