Insurance Agents

Classification of insurance agents
Insurance agent's business
Insurance agent's job content
A correct understanding of insurance agents

An insurance agent who is entrusted under the insurance policy in the insurance, within the scope of the authorization processing on behalf of insurance, and according to law, the insurance agent commission fees charged by the unit or individual. [Edit this paragraph] the classification of insurance agents
Insurance agents are divided into professional agent, and three kinds of agents and individual agents. Among them, professional insurance agents is specially engaged in the insurance agency business insurance agent; and business insurance agent is entrusted by the insurer, engaged in their own business while someone special equipment designated agent for the insurer insurance units, There are trades and industry, agents, business and industry, agents and financial institutions and industry, agents, mass organizations and industry in the form of proxy.
Individual agent is the person's commission under the insurance policy in the insurance agency, within the authorization of insurance to the insured person's personal collection agency fees. [Edit this paragraph] insurance agent's business
Insurance agents due to different types of business are different. Insurance agent company's business scope are: Agent to sell insurance products, agents collect premiums, to help insurance companies such as the loss of survey and settlement of claims. And industry, insurance agent business scope are: Agent to sell insurance products, agents collect premiums. Individual agent's business scope is: Property Insurance Personal property insurance agent can only be surrogate family and personal means of transport used for all business insurance and third party liability insurance. Life Insurance Company's personal agents to agents of personal insurance, individual life insurance, individual personal accident insurance and personal health insurance business. [Edit this paragraph] insurance agent job content
A responsible agent to sell insurance products to help insurance companies to conduct survey and claims of loss;
2, to educate consumers on insurance knowledge to explain insurance terms, Comments product, analyze personal financial needs;
3, for consumers, insurance programs designed to develop insurance schemes;
4, to help customers choose the advantages of insurance products;
5, to help customers apply for insurance-related procedures (the signing of the policy, service policies, policy maintenance, premium collection);
6, according to customer's needs by providing high-quality after-sales service;
7, regular return visits and old customers, maintaining the potential customers;
8, the insured, after Chuxian to assist its claims to the insurance companies, etc. [1]. [Edit this paragraph] a correct understanding of insurance agents
Since its inception the insurance industry, insurance agents have emerged and become an integral part of the insurance business. Countries in the world, any developed country in the insurance industry, insurance agents are also very well developed. At present, the insurance agency practitioners, in quantitative terms, it is already far exceeds the insurance company personnel. In the majority of urban and rural areas in China for many years formed an insurance agency, agents and insurance attendants constitute the rationale of modern system of insurance. Since 1992, domestic insurance companies to promote most of AIA Shanghai branch of the United States pioneered the personal life insurance agent marketing system. The rapid development of personal marketing system for the life insurance market development and popularization of the concept of insurance has played an active role. At present, China's life insurance salesmen have been 1.5 million people.
Practitioners, although insurance agent insurance agents insurance companies to attract, but their commissions are paid by the insurance companies, so you do not worry about an agent and then an additional premium surcharge, not to the insurance company and agent relationship doubt that the agents would undermine their own interests. In fact, regulate the insurance market, the insurance agent the interests of employees and customers is interlinked, we can say the customer is an agent of "God", their income is and selling out to what extent the number of policies and the provision of service is are closely linked, and therefore the interests of both are interlinked. So, how can an insurance agent of the public do?
(1) wake up the potential demand
The insurance industry saying goes, is the "insurance must rely on marketing." Because the insurance product is different from the daily diet relates to the satisfaction of physiological needs of the necessities of life, and she actually can be said to be a higher level of luxury, few people will take the initiative to buy insurance. There will always be a kind of habit or more psychological, or confidence in the future. For instance, he would think my house is safe, no fire service or other accidents, as long as he was not a fatal disease, he rarely thought of the insured; another for many people, the elderly and retired and is a very distant matter at a later time buying insurance, it is not too late; or a potential buyer of insurance would be simply because funding problems, it dispelled the idea of insurance, despite the fact that insurance costs less than imagined.