What is an insurance agent. Insurance agent. Qualities of an auto insurance agent

Imagine, a wall of a neighboring house fell on a car left in a paid parking lot. Nothing was left of the brand new car. And no one is to blame. Or the central bank revoked the licenses of a number of banks, including the one where all your savings remained. There was absolutely nothing left. And again, no one is to blame. It would seem that it is time to "sprinkle ashes on my head" and indulge in despondency. But then you remember that you have insurance, which means that all is not lost.

Imagine, a wall of a neighboring house fell on a car left in a paid parking lot. Nothing was left of the brand new car. And no one is to blame. Or the central bank revoked the licenses of a number of banks, including the one where all your savings remained. There was absolutely nothing left. And again, no one is to blame. It would seem that it is time to "sprinkle ashes on my head" and indulge in despondency. But then you remember that you have insurance, which means that all is not lost.

Then you will remember with gratitude insurance agent , which, since it was on your way in time, and from whose annoying offers (as it seemed to you) you dismissed for a long time. What a blessing, you might think, that he managed to persuade you and you nevertheless entered into an insurance contract. After all, only thanks to this you were able to avoid material losses.

As you may have guessed, today we will talk about representatives of the profession of an insurance agent, who seem to us to be losers who have not been able to succeed in life, and in the absence of a better person who chose this job. Is this really so, or is it possible to be an insurance agent by vocation? What difficulties await those who want to choose this profession? What are its features? You will find out all this right now.

What is an insurance agent?

Insurance agent - authorised representative an insurance company specializing in the sale of insurance policies and / or the conclusion of insurance contracts with both legal entities and individuals.

The name of the profession comes from the noun fear (from the Proto-Slavic straxъ) and the Latin agens (hunter, detective). That is, an insurance agent is someone who seeks and catches fear, protecting us from anxiety. History insurance agent profession originates in Antiquity. True, then the insurance did not have a commercial motive. The first insurance contracts that extended to sea transportation were concluded by Catherine the Great. Later, the practice of insurance spread to other spheres of human activity. As a result, today absolutely everything can be insured: house, car, cargo, travel, and even parts of the human body. By the way, the latter is very often used by movie and show business stars. For example, famous football player David Beckham insured his legs, and Jennifer Lopez and Kylie Minogue insured their buttocks.

Basic obligation of an insurance agent is the conclusion insurance contract which details the dimensions insurance premium, as well as payments in case of occurrence insured event specified in the same document. In addition, an insurance agent must independently find a client and explain to him the usefulness of concluding an insurance contract. In some cases, the insurance agent is also responsible for collecting the insurance premium and paying the insurance indemnity.

Insurance agents can be freelance or freelance employees who work for several companies at once. They can also work in the network. This type of activity is especially common in auto insurance. This is due to the fact that in our country the presence of insurance policy is a must for car owners, insurance through the Internet makes this process as easy and affordable as possible. Moreover, it is planned that in the near future auto insurance will be carried out only via the Internet.

What personal qualities should an insurance agent have?

Insurance agent work associated with communication with a variety of people who need to be convinced of the advisability of concluding an agreement. Therefore, representatives of this profession must be born psychologists. In addition, they must have such personal qualities as:

It is impossible to perform the work of an insurance agent in a quality manner without knowledge of insurance law. After all, a specialist must explain to the client the subtleties of the regulatory and legal side, calculate possible risks, evaluate the legal side of the contract and forthcoming payments.

Benefits of being an insurance agent

Talking about the benefits of being an insurance agent First of all, it is necessary to note the free work schedule. Thanks to this, the specialist can independently plan his working day and the degree of work. At the same time, frequent communication with people develops in a specialist everything that is necessary for socialization in society: psychological stability, non-conflict, the ability to communicate, build relationships.

It is impossible not to mention such an advantage of this profession as availability. The fact is that, despite the extensive knowledge that a specialist should have, almost everyone can master all the intricacies of the insurance business. And for this it is not at all necessary to have a higher education. There would be a striving and doing for self-development and self-education.

And of course, this work can be considered not only interesting, but also useful. After all, insurance agents are mostly approached by those people who have something to insure (that is, the wealthy). And these, as a rule, are influential or famous people, acquaintance with whom can be very useful.

Disadvantages of the profession of an insurance agent

The main lack of profession as an insurance agent we can safely call the instability of earnings. The fact is that the income of such a specialist is directly related to the number of contracts he has concluded. Therefore, in order to earn a living, an insurance agent has to "sweat".

In the course of performing their professional activities, insurance agents have to deal with conflict situations that can cause stress and depression. In addition, irritability and pragmatism develops from the constant desire to find as many clients as possible, which can have a negative impact on attitudes towards people in general.

But the main drawback of this profession is that at the very beginning of his career, an insurance agent cannot count on high profits, even if he is looking for clients all day long. The specificity of this work is such that a sufficient level of knowledge and skills can only be acquired by experience, and this is not one day of practically free work.

Where can you get the profession of an insurance agent?

Get the profession of an insurance agent easy and difficult at the same time. Find and apply for special courses, on the basis of which he trains insurance agents, and listening to the theoretical part of the training is not a problem. But not everyone can master the practical exercises. Because of this, many of those who wanted to get this profession were never able to do it.

Of course, you can become an insurance agent without a higher education diploma. However, employers give preference to graduates who already have experience in communicating with people (psychologists, sociologists, economists, educators, etc.). Even more preference is given to specialists with specialized education. This suggests that if you want to succeed in this profession, then it is best not to limit yourself to training on courses, and think about obtaining a specialized education that can be obtained in the best universities in Russia in the specialty "Insurance". These universities include:

• Moscow University of Finance and Law;
• Pyatigorsk State Linguistic University;
• Insurance Institute of the Financial Academy under the Government of the Russian Federation;
• School insurance business MGIMO (U) Ministry of Foreign Affairs of the Russian Federation.

Every person in his life, most likely, had to insure something. This can be home insurance in case of any accidents that result in property damage, life and health insurance, or road liability insurance, which is in Russian Federation a must for every car owner. The insurance process seems to be quite simple: you enter into a contract and pay for its entire duration. small amounts money, so that in the event of certain incidents that are provided for in the terms of your contract, you can receive substantial compensation. And when you signed such a contract, you interacted with an insurance agent who told and explained everything to you. It seems to many that this is some kind of unattainable work, but in reality everything is much simpler. Anyone with the proper knowledge can get this profession. You can get a job with one of the many insurance companies, but there is also remote work insurance agent. More and more people are now working at home - that's the way it is modern world... However, this does not mean that such activities are somehow worse. In general, in this article you will learn everything about this profession: how it appeared, what an insurance agent should do, what salary he is entitled to, what qualifications you need, and so on. This article will help you decide if working as an insurance agent from home or office is right for you.

What is the essence of the work?

Naturally, first of all, you need to figure out what the essence of this work is, so that you can understand whether you want such a career for yourself or whether you are attracted by something else. So, as you can easily understand from the name of the profession, an insurance agent is engaged in insurance, and he can insure a wide variety of things. The most common insurance is home, health, property, and so on. Your task will be to sell services to clients who contact your firm to obtain information and conclude a contract. You need to be very knowledgeable about the topic because it is highly specialized, so most of your clients will have no idea what is required of them. You must explain in detail all the nuances, and also convince the client that he really needs to insure what he has come to insure (an experienced agent will also convince him that he needs to insure something else). In general, you will need high communication skills and extensive knowledge in this area. An insurance agent with no work experience is unlikely to find a place in a large company, but this is not a profession that allows you to start yourself and earn experience in roundabout ways. So you will have to start with small companies, constantly moving to larger and more promising businesses. Fortunately, “no experience insurance agent” is not a stigma, and several years of experience have opened up a huge number of opportunities for you.

Where can you work?

The profession of an insurance agent is incredibly popular, as there are quite a decent number of large state-level insurers in the Russian Federation. At the same time, more and more private companies appear, offering similar services and promising clients a more human and personal approach. You shouldn't think that your goal is to work as an insurance agent at Rosgosstrakh. Reviews about this company from former employees, firstly, are not the most attractive. And secondly, often small companies can offer you much more comfortable conditions work and a decent salary, so in this profession it makes no sense for you to chase the largest companies, since small enterprises are very attractive for employees of this profession.

But in what directions will you work if you decide to choose this specialty for yourself? You can choose from several areas of activity at once, each of which has common features, but at the same time it is very different from others, even though they are all an insurance process. Most often, specialists are required in the direction personal insurance, which includes working with individuals who come to insure their lives, their health, insure themselves against force majeure, and so on. Given the visa regime, personal insurance is incredibly popular, which is why you should consider this line of business. However, this does not mean that only it exists. You can work in the direction of property insurance, liability insurance (the clearest example is CTP, that is compulsory insurance liability of drivers on the road in the event of a road traffic accident), as well as insurance of business risks, when the insurance company takes on all financial risks discoveries own enterprise... With the development of private business, this line of insurance is becoming more and more popular.

Some companies offer all areas of insurance at once - this is what, for example, promises you to work as an insurance agent in Rosgosstrakh (reviews say that the working conditions will be far from what you would dream of when you graduate from university in this specialty). Small businesses can concentrate on one or two lines of insurance. In general, you will have a lot of options and, accordingly, potential opportunities too.

History of the profession

By her own insurance activities in its infancy appeared as early as two thousand years BC, when groups of merchants agreed in advance among themselves about an honest distribution of losses in the event of attacks and robberies. Even then it was clear that people understand the need to insure themselves against various accidents.

Insurance acquired a more specific form in the era of ancient Rome, when specialized colleges began to appear. Members of these colleges collected contributions from people, let them grow at interest through their sources, in order to then be able to pay people a substantial amount if what they insured was damaged, destroyed, broken, and so on. Accordingly, it can be said that the members of these ancient Roman colleges were the first insurance agents.

In the Middle Ages, the first division of insurance directions happened. If earlier insurance was a single whole, now it has begun to be divided into personal and property. As a matter of fact, already in the Middle Ages, people began to separately insure their health, and separately - their belongings, houses, and so on. This was a big step in the development of insurance, which then continued to branch out, giving rise to the popular directions of liability or risk insurance today.

On the territory of Russia, insurance appeared only under Nicholas the First. To be more precise, in 1827 he issued a decree, according to which the first "organization" was created, which carried out insurance of people's property against fire. From that moment, insurance began to develop in Russia, so that the huge number of insurance companies that exist now in this country can thank Nicholas the First as the person who introduced this type of activity in Russia.

Insurance reached its peak in the twentieth century, when numerous Insurance companies, insurance capital began to grow much faster than before, as people began to get the opportunity to freely manage their money and realize how important it is to ensure a quiet life for themselves. The same trend continues to this day. The number of insurance companies is constantly growing, and more and more individuals and legal entities are aware of the need to protect their own interests. And that is why this profession is now extremely popular and in demand.

Responsibilities

Well, it's time to move on to the most serious questions, namely: what is the job of an insurance agent? What are his job duties? It's worth starting with the fact that this job is very similar to that of a sales manager, that is, you are a person who works for a specific company and sells its services. It's just that in this case, the services are more specific and much more difficult to understand, so the employee must have specialization and serious qualifications. But what exactly should he do?

The insurance agent's work plan is very extensive and includes many points. First, you will need to do active sales. This means that you will have to call potential customers, offer them your services, come to them or invite them to your office and, of course, conclude insurance contracts with them. Secondly, you will need to support the customer base that the company already has, that is, you will need to track the status of the contracts of existing customers in order to offer them a contract extension at the right time, and at the same time offer its extension, that is, adding new items of insurance. Thirdly, you will need to conduct consultations with clients, during which you will need to talk in detail about a particular service, answer all the client's questions and, of course, convince him to sign an agreement with you. Fourth, you will also have to do work that does not involve other people. This implies document management, which is now happening on the computer. It involves documenting all contracts, invoices and other papers that pass through your hands while you work. Fifth, it will be your responsibility to assess the damage for the further payment of the insurance claim. And finally, you will definitely have to deal with violations of insurance contracts, because they happen everywhere, so you will need to find out the reasons and take appropriate measures to eliminate them. At the same time, in a serious company, the work of an insurance agent is constantly being audited, and if you do not cope with any of these points, then you may have serious problems, starting with the deprivation of the premium and ending with dismissal.

Possible responsibilities

The above are the responsibilities that you will have to perform in any insurance company. However, do not be surprised that, in addition to these points, you will be given other tasks. For example, some insurance agents are responsible for preparing statistical reporting on insurance activities, while this reporting can be either annual, which will not cause you any problems, or weekly, which will add a serious amount of work.

Also, in small companies, you may be responsible for collecting insurance payments. What does it mean? This means that you will need to take it yourself. insurance payments from customers, and then transfer them to the appropriate bank with which your company works. In general, this is far from the only additional task that can be assigned to you, so at the interview you should always ask what specific responsibilities will be assigned to you, so that in the end it turns out that you will work for three, but while receiving the salary of one person.

Requirements

The effectiveness of the work of an insurance agent for the employer plays a very important role, and only one who fully meets the requirements can be effective. Naturally, in each company, these requirements may differ slightly, however, in most cases, you can highlight specific criteria that will be required of you everywhere. So, if you want to become an insurance agent, then you need to have sales and negotiation skills. This does not mean that you have to have a wealth of work experience. You just need to be able to communicate well with clients and convince them that they need to purchase your service. Naturally, work experience will be welcome, but if you prove in an interview that you are capable of a lot, the lack of experience will easily close their eyes. Accordingly, it follows from this that you need to be an active and communicative person, because otherwise the number of contracts you have concluded will not be high enough to satisfy your bosses. Considering the fact that you will be working in serious financial institution, you need to always look as presentable as possible. And, of course, for reporting and other similar tasks, you need to have basic knowledge personal computer... The productivity of insurance agents is what the employer is most concerned about, so you need to get down to business right away and prove that you can meet the contractual quota rather than trying to smoothly integrate into the organization. This is the only way you can succeed.

What else is welcomed in an insurance agent?

Work as an insurance agent in Moscow and less large city may be very different, and in the capital, naturally, more stringent requirements will be imposed on employees, but the level of earnings there will be higher, and prestige also plays a role. Therefore, it is also worth mentioning what is not a mandatory requirement, but what can play a role in choosing among candidates for the position of an insurance agent. For example, many large and prestigious companies look at work experience and do not take on those who are just starting out, so you will have to start in a small company. They also often look at education: in fact, secondary education is enough for you to work as an insurance agent, but in a serious company you will only be hired with a specific specialization. And, of course, most often they hire people who are ready to learn new things, even if they are accomplished specialists. The insurance industry is constantly evolving, so you need to be prepared to constantly learn something new that the insurance company can offer you. Work for agents of such enterprises is always offered in large quantities, and everything will depend on you and your activity.

How to become an insurance agent?

Naturally, working as an insurance agent in Rosgosstrakh or any other large and prestigious company will require specific education and even work experience from you, but if you are not aiming for the top right away, then all you need is a desire to work. Smaller insurance companies can organize training for you on the basics themselves, and if you do it yourself, then you will have an even better chance. It is also worth noting that recently it has become increasingly available to work as an insurance agent at home. OSAGO and other similar policies do not require you to be constantly present in the office, so it has become even more convenient to work in this specialty. So, if you have a sense of purpose and there is no lack of hard work, then you can easily start a career as an insurance agent.

The salary

Does this job pay well? An insurance agent "RESO" and an insurance agent in a smaller firm, of course, may receive different salaries. And the reason for this is the fact that you will almost never have a fixed income. This means that you will receive an agency commission from the contracts you have entered into. In small firms, it is usually around 10 percent, but if you make it to the top, you can get up to 30 percent on each contract. If you need specifics, then novice insurance agents earn about twenty thousand rubles, average salary an experienced agent can reach 60 thousand, but the limit really does not exist. There are such masters of their craft who manage to receive up to 300 thousand rubles a month. But what will work as an insurance agent at Rosgosstrakh bring you? Reviews will help you figure it out.

One of the most frequently asked questions, which they write to us in the comments or by email, is "for OSAGO and other insurance products?", meaning the activities of an insurance agent.

Therefore, today we will figure it out:

• how to become an agent from one or a broker from several insurance companies,
• who can become an insurance agent and who can become an insurance broker,
• how to become an insurance agent for car insurance (OSAGO, CASCO),
• how much you can earn on it.

Everything in order ...

Here are 9 steps on how to become an agent or broker

1. Select one or more insurance companies you want to work with,
2. Contact insurance companies. You can call them or come to Main office... You will be scheduled for an interview and given a list of documents to be submitted to the security service,
3. Provide copies of your passport, SNILS, a special candidate questionnaire and other documents that the company will require,
4. Prepare information about yourself, your experience in insurance, your existing customer base and your other merits as a partner. The insurance company will assess how you are suitable for it,
5. Carefully fill out the questionnaire of a candidate for insurance agents (brokers), according to it you will be assessed, and the security service will check the information you provided,
6. Wait for the interview time. Show your best side on it! Be prepared for questions about your experience!
7. If you passed an interview, if the security service admitted you to work, wait for the preparation of an agreement stating that you are now an insurance agent of this company,
8. Follow these steps for each insurance company you want to work with,
9. You can start your activity!
10. It will be useful to learn how to find customers and sales technologies. Usually, this is not taught in insurance companies. It is understood that since you want to become an agent or broker, then you have many clients, and you also know how to effectively sell insurance.

How to become an insurance broker or insurance agent through franchising

Can you shorten the steps and make everything easier? Yes there is ready-made solution! You can open a ready-made insurance business for a franchise!

A franchise is the transfer of a model of a ready-made and well-functioning business, as well as assistance in its implementation, management of this business and the right to use a well-known brand. In other words, instead of trying to figure out what works and how it works, wasting time and missing out on profits, instead of “bumping in” on your own, you can use a ready-made highly profitable business and start making good money in the shortest possible time.

You can take advantage of auto insurance and open your own insurance business according to an already worked out business model. Let's see what a franchise is.

Details can be found by leaving a request:

Is there a prospect to be an insurance agent, broker?

It is worth noting that quite a few people are wondering how to become an agent of an insurance company, but, unfortunately, there are not so many experienced specialists who can speak in clear language about the "pitfalls" and important nuances of the activities of insurance agents and its prospects. Find out how to become a good, successful or even better insurance agent!

Oleg Sysuev, First Deputy Chairman of the Board of Directors of OJSC Alfa-Strakhovanie, explained in his last interview: “Working as an agent today is one of the most promising developing areas of small business in Russia. The insurance market will develop, and all market participants, including agents of insurance companies, will find a worthy place in it ”.

We only add that you can be an insurance agent at home, that is, work from home! Or combine with other work or study.

Earnings of insurance agents and insurance brokers

Let's see how much insurance agents and brokers make. On average, representatives of insurance companies earn 100% from one OSAGO policy, 25% from one CASCO policy, 35% from policies property insurance and health. Is it a lot or a little?

For example, you bought a CASCO policy for 50,000 rubles, respectively, your earnings will be 12,500 rubles (50 tr. * 25% = 12.5 tr.). If you bought property insurance for 50,000 rubles, then you earned 17,500 rubles. Agree, this can be a good income! And these are far from the most expensive insurance products that are bought by individuals and even more so by companies.

Who can be an insurance agent or insurance broker?

Anyone can become an agent individual over 18 years old. Higher or specialized education is not required for this. To be an insurance broker, in accordance with the law, you must have a license to carry out brokerage activities. Therefore, following practical experience, it is easier to have several contracts with insurance companies and from several insurers.

Auto and other insurance agent

But it is not enough just to say to myself: "I want to be an insurance agent." It is necessary to clearly and specifically define the path of your professional growth.

Before becoming an insurance agent or broker, decide: do you want to become an insurance agent for OSAGO (auto insurance) and not sell other types? If so, then it is worth concluding agency contracts with the best companies for auto insurance. Why? Becoming an insurance agent for OSAGO, you will be able to provide a choice of the best insurance companies, for example, working as a broker, and it will be convenient for your clients! If you decide to be a life insurance agent, then, likewise, your clients will fall in love with a professional in a narrow segment. Nobody likes “know-it-all” amateurs.

How to become an agent of an insurance company for OSAGO? The procedure is similar to the standard order - see the beginning of the article.

Rosgosstrakh and other companies for an insurance agent

In addition to the above, decide for yourself: you want to become an agent of RosGosStrakh (RGS) more, RESO Guarantees, VSK, Consent, Sogaz, Alpha Insurance, Ingosstrakh and / or other insurance companies, that is, to be a universal insurance broker? Or to issue policies from only one or two partner companies, being an agent?

Simple principle: sell 1-2 types of insurance from all insurance companies OR sell all types of insurance from 1-2 insurers. You can, of course, sell all types of insurance in all insurance companies (and many do this because it is profitable), but this approach has its own tricks and laws.

Do you want to know the insurance business in more detail?

Have questions about how to become an insurance broker or insurance agent? Ask them in the comments below!

Franchise

Do you want to get a ready-made insurance business? will help you open an insurance company from scratch in 30 days!

How to work in insurance? Often this question asked by insurance workers or those who want to start working in the insurance industry. This article will help you understand the laws of the work of an insurance agent or other participant in the insurance market, in order to help you achieve success in your work in insurance!

Insurance agent - what is the advantage?

Law of work as an agent number 1.

Working as an insurance agent means representing the interests of the insurance company and receiving remuneration for this.
According to the reviews of those who already work in insurance, it is safe to say that working as an agent in an insurance company means having full freedom and independence. No bosses and no calls "to the carpet". No "obligations" and corporate "blizzard". Are you tired of this? From plans, directions and instructions?

If yes, then, most likely, you will certainly enjoy working as an agent of insurance companies! After all, this is a free schedule and, if necessary, an opportunity to start your own small business - an insurance agency. Yes, this profession allows you to stop working "for your uncle" and start working for yourself! Just as a theater begins with a coat rack, so the insurance business starts with working as an insurance agent. Thus, work on insurance market- this is a free schedule, prospects, growth. And, of course, profit!

Insurance professionalism = money

Law of work as an agent number 2.

To master the profession of an insurance agent is to work on your professionalism. Since the insurance agent is his own boss, you need to be disciplined. Yes, of course, in this profession, as, perhaps, in any other - there are professionals and there are amateurs. But why is it profitable to be a professional?

It is known that professionalism in the work of an insurance agent - synonym for profit... In other words, the more professional an insurance agent works, the more money he has. Let's give an example. According to reviews and statistics, you can go to the agent's work “slipshod” and earn 1000 rubles from the issued OSAGO policy, but you can be a professional who is competent, communicative and trained enough to sell an expensive insurance product, for example, CASCO. Therefore, selling CASCO, you can earn not 1,000 rubles, but 10,000 rubles. - 18,000 rubles. also from one policy. Count yourself: being a professional is 10-18 times more profitable.

If you want to increase your professional skills, This may be relevant to you:

Working as an agent is the first step to making big money.

Law of work as an agent No. 3.

How to work as an agent in an insurance company? It is no secret that the profession of an insurance agent is associated with interaction with insurance companies. And insurance companies hire people (future insurance agents), promising them high income which has no "ceiling". And it is true! After all, an insurance agent who diligently works in this profession can receive up to 45% of the cost of some policies. For example, if you insure the property of an enterprise, you can earn RUB 100,000 at once and even more! And this is far from the highest income that can be obtained by working in the insurance market.

Thus, newcomers to insurance, who often work from home, on average, earn 30-50 thousand rubles. per month. The income of a professional insurance agent fluctuates in the region of 80-130 thousand rubles. a month, but it is no longer so easy to combine this work with study or other work. The maximum income level in this profession is 200-500 thousand rubles. per month, if you do not work in insurance alone, but open your own insurance agency. Of course, those who are engaged in the insurance business in all seriousness, investing their time and money in additional training, in staff training, the acquisition of new technologies for insurance sales, as well as investing in actively attracting customers, have, according to our statistics, quality monthly income over 500 thousand rubles.

In other words, working as an insurance agent is the first step towards your business, which can bring, on average, 250-400 thousand rubles per month. Of course, then the business can be enlarged and, accordingly, earn even more.

Job training for an insurance agent

Law of work as an agent No. 4.

Now let's look at how to work in an insurance company and what is needed for this? Working in an insurance company contains a number of requirements. They are directly related to the professionalism of the insurance agent and, as we discussed above, with his earnings. Typically, the following requirements are imposed on employees of insurance companies:

• ability to negotiate, present types of insurance,
• competent speech and communication skills,
• activity and resistance to stress,
• ability to work with office equipment, count correctly,
• desire to learn(remember we talked about professionalism? Especially
  relevant if you want to work as an insurance agent without experience in insurance).

It's good when the insurance agent already knows how to do all this. If not, it's also okay, because, as you know, experience can be adopted, knowledge can be learned! This is very important in this profession!

If you want to gain experience and learn more about the work of an insurance agent (even without experience in the insurance market), find out the reviews of insurance workers and make up your opinion, take our free online course:

5 law of working with insurance business

The latest law of work in insurance, see this video.

The material was prepared on the basis of articles and
publications of the head coach of the training center
insurance agents "Insurance Spetsnaz"
Yuzefovich Konstantin

Insurance agent- a representative of an insurance company selling policies to its clients. The profession is suitable for those who are interested in law and social studies (see choosing a profession by interest in school subjects).

Features of the profession

No one is immune from illness and injury, theft, floods, etc. misfortunes. But you can reduce the damage from the accident by insuring your property, health and even life. You can insure anything - from a car to parts of your own body. For example, the famous dancer Rudolf Nureyev insured his legs, which he regarded as a working tool. Renowned taster Gennaro Pelizia, working for the British coffee chain Costa Coffee, insured his sensitive tongue.

An insurance policy is a document that confirms that an agreement has been concluded between a citizen and an insurance company. In other words, if an insured event suddenly occurs, i.e. the insured car is stolen, the flood will wash away the insured house or the tongue of the taster ceases to distinguish between tastes, the policyholder will receive monetary compensation.

An insurance agent can be on the staff of an insurance company or remain a freelance employee, receiving only a percentage of the amounts of contracts concluded. For a full-time employee, they usually consist of interest and a small salary. Thus, the agent's income depends on the number of policies sold, so he is actively looking for clients (policyholders). For example, he calls various companies, offering to insure property, health of employees, etc.

The agent then meets with the future policyholder and they negotiate in detail the terms of future insurance. The agent specifies what exactly the client expects from the insurance, answers all the questions that arise and, when the choice is made, draws up a contract (insurance policy).

Insurance agent status in different countries has its own characteristics. For example, in most European countries, each insurance agent works on behalf of a single insurance company. In the United States, an insurance agent is an independent entrepreneur who can be a representative of a group of companies at once. In Russia, an insurance agent can also represent several insurance companies, with each of which he has a contract. But he can work with one company as well.

If the insurance specialist does not represent the interests of the insurer, but the policyholder, he is called an insurance broker. He, like the agent, conducts insurance, but approaches the issue from a different angle. His task is to select from the offers of many insurers the insurance option that best meets the needs of the client. For this, he receives a commission from the client, and not from the insurance company.

An insurance broker can be either individual entrepreneur and entity with a staff of employees.

Insurance agent training

Russian insurance companies most often train agents on their own. To do this, they organize special "schools" and courses in which future employees are taught to maintain accounting and reporting documentation, explain the rules and conditions different types insurance. Each time, having developed a new type of insurance, the insurance company conducts new training seminars. Companies prefer to hire people with higher education... Certified psychologists, sociologists, teachers, economists, physicians with experience in working with people are especially welcome.

On this course, you can get the profession of an insurance agent remotely in 1-3 months. Diploma of professional retraining the sample established by the state. Fully distance learning. The largest educational institution additional prof. education in Russia.

Workplace

An insurance agent works for or freelance insurance companies.

An insurance broker works as an independent entrepreneur or in a company representing the interests of policyholders.

Salary

Salary for 09/12/2019

Russia 25,000—50,000 ₽

Moscow 30,000—120000 ₽

Important qualities

The profession of an insurance agent presupposes such qualities as honesty, poise, responsibility, sociability, goodwill, good memory, broad outlook and the ability to constantly replenish one's professional knowledge.

Knowledge and skills

An insurance agent must know well the insurance legislation, the types and conditions of insurance provided by his insurance company, and be able to draw up insurance documents.