Once the do not call agents, and consultants and specialists, and managers, in general, as someone like that. What role is assigned to an agent in an insurance company (IC)?
First, it should be noted that the agents are different: general, independent and captive (otherwise direct), with limited powers, and so forth, it all depends on the specifics of the insurance company.
Specificity is determined by the insurance company licensed types of insurance.
For example, a company engaged in marine cargo insurance, there are agents for the claims (the so-called, Agent Claim). The work of these agents is in major ports and is receiving and analyzing claims on insurance cases. But in most cases we are talking about captive (direct) agents.
Captive Agent (KA) represents one insurance company. It operates under an agency agreement concluded with the UK and the power of attorney.
The purpose of the agent: to attract customers to win-win conditions. The contract of insurance agent listed as the representative of the insurer. Previously agent is trained in the UK. During training he receives the appropriate level of training for one or more types of insurance.
Training includes not only the acquaintance with the kinds of insurance regulations, insurance rates. Agents are taught how to influence a potential customer, the ability to conduct independent accounting, grant reporting for the UK.
Another agent work to develop the necessary types of insurance, namely, to replenish the insurance portfolio – Acquisition. The role of the agent is not only in attracting the customer and the ability to properly execute documents. He leads the customer “and in sorrow and in joy” As a rule, when renewing the contract the policyholder turns to his agent, hoping to get a discount. When the insured event so the client prefers to apply to his representative of the insurer.
Typically, wages agent – commission (%). Pay is negotiated for each type of insurance in the supplementary agreement to the contract of agency. Despite the extremely tumultuous, full of struggle and hardship working environment, the agents are virtually no staff members.
In troubled times they can change their IC to another, not forgetting at the same time, grab the main value – your insurance portfolio. Agents, in some ways, are freelancer’s scope of insurance.
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