Sample job description for an insurance agent in 2020

The profession of an insurance agent is very prestigious in large cities.

An agent is a person who acts on behalf of a particular company and enters into insurance contracts.

Now you can find a huge number of vacancies with fairly decent salaries. Is being an insurance agent really such a prestigious profession?

Insurance agent

– a link between a large company and people who want to make their lives safer. The insurance agent is obliged to find out the client’s wishes, tell him about possible insurance conditions, current tariffs and compensation payments.

After these steps, an insurance contract is concluded on the most favorable terms for the client.

This profession has certain requirements for candidates. Suitable for sociable and goal-oriented people

. Anyone who has reached the age of majority can become an insurance agent.

Responsibilities of insurance agents

Search for clients. The insurance agent independently
searches for clients who will use his services.
It is very difficult to develop a base at first and will require a lot of effort. of wages
directly depends on the number of clients .
Conclusion of contracts. An insurance agent must be able to conclude contracts for each type of insurance. This specialist also renegotiates contracts. Bears financial responsibility
.
Damage assessment. Often companies assign positions to special employees who assess material damage. However, every insurance agent must be able to do this on their own.
Accounting and security of documents. The insurance agent is solely responsible for the custody of insurance policies
and premiums.
Advertising of services. Insurance agents must actively advertise
their services to the public. Attracting new clients is a prerequisite for working as an insurance agent.

The main and main task of an insurance agent is to attract new clients

Processing insurance policies and premiums is an agent’s daily job. Finding new clients largely depends on professionalism

specialist

In order to develop a certain client base, you need to have skills that every insurance agent should have. An insurance agent has responsibilities that are fairly easy to perform, but not every person

can do it.

Company staffing - Work in an insurance company

An acquaintance has 2 companies, one is engaged in storage, where the simplified tax system is 6%, the second is in the wholesale sale of legal entities. persons, there is the BASIC.

Our main social assistance is the adaptation of hearing-impaired subscribers into society using special tariffs and services in sign language, on the website or via SMS. We actively cooperate with LizaAlert in searching for lost children, developing m-charity, m-health, offering online protection for children from fraud, and actively participating in volunteer activities.

Carries out work to identify and record potential policyholders and insurance objects, provides an assessment of the cost of insurance objects.

In the event of damage to the insured, it makes an assessment and determines its size, taking into account the criteria and degree of risk. 14. Considers complaints and claims received from clients on controversial issues of calculation and payment of insurance premiums, payment of insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract.

Qualities that an insurance agent should have

Stress resistance

This skill can be called key, since this profession often involves conflict situations

. If you are an impulsive and nervous person, you will make a terrible insurance agent.

The task of an insurance agent is to attract as many people as possible to any type of insurance.

It's simple - the customer is always right. Even if he yelled at you when you came to take out an insurance policy or gave you unflattering words, he is right, and you should come later.

It is worth understanding that you need to value every client and the last boor should be an interesting and good-natured person for you.

Sociability

The ability to find answers to all questions and find common themes with people will be useful everywhere. For an insurance agent, this is a necessary quality. The insurance agent is obliged not just to clearly tell the list of services, but to be able to interest the person.

Why insure a refrigerator or food processor? You must explain that manufacturers have stopped monitoring the quality of the product, and you will help correct the situation - even if something breaks, the person will be able to buy a new device without loss. Or remind us of thieves who will not disdain even a refrigerator.

Hard work

You won’t be able to sit and do nothing with such a profession. Every minute you have to think about where to find new clients. And after smart thoughts come to you, go ahead and implement your ideas. Insurance agent is quite an active job

, which will not allow you to sit still. Irregular working hours involve providing insurance services both during the day and in the evening.

Resourcefulness

Insurance agents who sit at points and issue comprehensive insurance know that the worst thing in their professional work is making rounds in the private sector.

Every insurance agent who visited the houses of “nervous and embittered” people at least a couple of times doubted that he had chosen the right education. Not every insurance agent will be hired to work at a certain “point”, and even if they are hired, this does not mean that there will be an influx of clients.

So why is working in the private sector so scary? Just imagine, you had a fight with your husband, the dinner burned and the child broke a vase, and then an insurance agent came: “Come on, I’ll insure you for all occasions.”

Usually in this case the agent is asked to leave and refuses services, but there are other options - tell him everything you think about such “beggars”, swear, etc.

The second and most terrible thing that can meet you during the “detour” are dogs, of which there are a lot in private sectors. And don’t try to do anything to them - maybe they’ve already been insured! Any harm caused to these “harmless” animals, even if they try to bite you, will result in a fine.

Good memory

An insurance agent is required to remember all types of insurance and offer them to his clients. In addition, it is worth remembering the characteristics of certain people. If a person does not have a car, it makes no sense to offer him comprehensive insurance.

Presentable appearance

Regardless of gender, an insurance agent must inspire confidence. To do this, you will need to devote a lot of time to your appearance and be neat and well-groomed.

History of the profession and the main difference between an agent and a broker

The profession appeared in ancient times. At first, the practice of non-commercial property insurance was relevant. Subsequently, insurance acquired a commercial orientation and appeared in its modern form.

In the process of formation of this industry, many institutions began to appear that provide insurance services. Now you can see insurance institutions of both public and private types.

An insurance agent works for one company

. Clients can sign up for an insurance contract only on the terms and conditions provided by a particular insurance company.

If a person likes the insurance conditions of several companies at once, it is better to contact an insurance broker

An insurance broker, unlike an agent, can work with several companies

. He knows the range of all insurance services and accompanies the client during the validity of the policy.

Unlike an insurance agent, a broker offers the most favorable insurance conditions in different offices. Practice shows that brokers are better informed

about the features of the insurance market than agents.

Working in a brokerage agency

Citizenship of the Russian Federation, reaching the age of 18 years.
Availability of documents necessary for employment - passport, INN and SNILS.
Absence of unexpunged or outstanding convictions for articles related to economic crimes.

How to become a single MTPL insurance agent?
As a rule, future agents turn to the largest and most trusted insurance companies to conclude a contract. Many people enter into contracts with several companies at once. They understand that this way they will be able to offer the client a wide selection of products and tariffs, but also learn more about them - in each company separately. Until recently, working as an agent for several companies was prohibited.

Now everything has changed, and the agency agreement no longer includes such a clause.

A “single agent” is not a person, but a system for selling MTPL policies, according to the rules of which the office of one insurance company offers the client to issue a policy for him from another organization.

For example, you came to Rosgosstrakh and received a VSK policy. In this case, the distribution is carried out on the basis of the vehicle passport number.

A broker, in turn, is an individual or legal entity that has the appropriate license and is registered with Rosstrakhnadzor. The broker, carrying out insurance activities, earns only part of the commission from the sale of the product.

How to become an MTPL insurance agent at home? Some job seekers, wanting to shorten the steps and simplify the hiring process, turn to brokerage agencies.

If you want to work with several companies at once, but do not want to spend your time checking and training in each of them, you can do the same.

How to become an insurance agent

Anyone who wants to work can become an insurance agent. To do this, it is enough to have a secondary education

Many insurance companies conduct their own training for employees. A person of any age can achieve success in this profession, the main thing is focus and desire to work

Some vocational schools provide training to become insurance agents. You can also take special courses.

If you don’t have time to study theory, you can safely contact an employer who will provide you with quality training in practice.

An insurance agent is a profession that provides career growth and high wages. It all depends on the person and his desire to work

Insurance agent salary

An insurance agent's salary depends entirely on his hard work and activity. On average, an insurance agent receives 10-20% of transactions

Actively working newcomers have at least 18 thousand rubles. per month. Insurance agents with extensive experience up to 50 thousand rubles. Some insurance agents with a very large client base have an income of 200 thousand rubles.

When starting to work as an insurance agent, you need to keep in mind that at first it will be very difficult to find clients

. And this will definitely affect your salary.

Clients are money and they will not go into your hands. If you sit still, you won’t even earn a ruble.

It’s also worth understanding that not all people want insurance. You will have to put in a lot of effort and spend a lot of nerves to get your first salary. But over time, it will be easier to find new clients, and wages will increase.

The profession of an insurance agent, like any other, has its advantages and disadvantages. This specialty will allow you to quickly improve your financial situation and move up your career ladder, but not everyone will be able to achieve such success. If you don't know how to work with people, no other professional skills will help you find clients.

We bring to your attention a typical example of a job description for an insurance agent, sample 2020. A person with secondary vocational education and special training according to an established program can be appointed to this position without presenting work experience requirements. Do not forget, each instruction of the insurance agent is issued in hand against a receipt.

The following provides typical information about the knowledge that an insurance agent should have. About duties, rights and responsibilities.

This material is part of the huge library of our website, which is updated daily.

General provisions

1. An insurance agent belongs to the category of employees.

2. A person who has secondary vocational education and special training according to an established program without presenting requirements for work experience is accepted as an insurance agent.

3. An insurance agent is hired and dismissed by the _________ organization (director, manager) upon the recommendation of __________. (job title)

4. The insurance agent must know:

— regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities;

— types of insurance services and conditions of various types of insurance;

— legal framework for the development of insurance activities, taking into account regional specific conditions;

— the current system of social guarantees;

— methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused;

— fundamentals of a market economy;

— fundamentals of psychology and labor organization;

— the procedure for concluding and executing contracts for insurance services;

— domestic and foreign experience in organizing insurance for the population and business entities;

— basics of labor legislation;

— rules and regulations of labor protection.

5. In his activities, the insurance agent is guided by:

- legislation of the Russian Federation,

— Charter (regulations) of the organization,

- orders and instructions of the __________ organization, (general director, director, manager)

- this job description,

— Internal labor regulations of the organization.

6. The insurance agent reports directly to: _________. (job title)

7. During the absence of an insurance agent (business trip, vacation, illness, etc.), his duties are performed by a person appointed __________ (position) of the organization in the prescribed manner, who acquires the corresponding rights, obligations and is responsible for the performance of the duties assigned to him.

Job responsibilities of an insurance agent

Insurance agent:

1. Carry out operations for concluding property and personal insurance contracts.

2. Studies regional conditions and demand for certain insurance services.

3. Analyzes the composition of the regional contingent of potential clients, serves individuals and legal entities representing institutions, organizations and enterprises of various forms of ownership.

4. Conducts reasoned conversations with potential and regular clients in order to interest them in concluding or renewing insurance contracts (life and health, movable and immovable property, business and commercial activities, etc.).

5. In the process of working with clients, conducts observation, evaluates the characteristics of perception, memory, attention, motivation of behavior and ensures mutual understanding when concluding contracts for insurance services.

6. Establishes the criteria and degree of risk when concluding contracts for insurance services, taking into account the state of health, age, gender, education, length of work, level of financial security and other subjective qualities characterizing the client.

7. Concludes and draws up insurance contracts, regulates the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums.

8. Ensures the correct calculation of insurance premiums, execution of insurance documents and their safety.

9. Contributes to the formation of interest and demand for the insurance services provided, taking into account the need to strengthen material and moral support for various segments of the population, as well as the increasing risk associated with competition, bankruptcy, unemployment and other socio-economic processes occurring in modern conditions.

10. Provides assistance to clients in obtaining comprehensive information about insurance conditions.

11. Carries out work to identify and record potential policyholders and insurance objects, provides an assessment of the cost of insurance objects.

12. During the validity period of concluded contracts, maintains contact with individuals and legal entities who have entered into contractual relations for insurance services.

13. In the event of damage to the insured, it assesses and determines its size, taking into account the criteria and degree of risk.

14. Considers complaints and claims received from clients on controversial issues of calculation and payment of insurance premiums, payment of insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract.

15. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them.

16. Explores undeveloped types of insurance services and prospects for their development in order to apply them in their practice and in the creation of insurance bodies and services.

17. Timely and in accordance with established requirements draws up the necessary documentation, keeps records and ensures the storage of documents related to the conclusion of insurance contracts.

18. Interacts with other insurance agents.

Insurance agent rights

The insurance agent has the right:

1. Submit proposals for management’s consideration:

— to improve work related to the responsibilities provided for in this instruction,

- on encouraging distinguished employees subordinate to him,

— on bringing to material and disciplinary liability workers who violated production and labor discipline.

2. Request from structural divisions and employees of the organization the information necessary for him to perform his job duties.

3. Get acquainted with the documents defining his rights and responsibilities for his position, criteria for assessing the quality of performance of official duties.

4. Get acquainted with the draft decisions of the organization’s management relating to its activities.

5. Require the management of the organization to provide assistance, including ensuring organizational and technical conditions and execution of the established documents necessary for the performance of official duties.

6. Other rights established by current labor legislation.

Insurance agent liability

The insurance agent is responsible in the following cases:

1. For improper performance or failure to fulfill one’s job duties provided for in this job description - within the limits established by the labor legislation of the Russian Federation.

2. For offenses committed in the course of their activities - within the limits established by the current administrative, criminal and civil legislation of the Russian Federation.

3. For causing material damage to the organization - within the limits established by the current labor and civil legislation of the Russian Federation.

Job description of an insurance agent - sample 2020. Job responsibilities of an insurance agent, rights of an insurance agent, responsibilities of an insurance agent.

Tags for the material: job description of an insurance agent, job description of an insurance agent at Rosgosstrakh.

Job description of an insurance agent

I APPROVED General Director Last name I.O.________________ “________”_____________ ____ g.

1. General Provisions

1.1. An insurance agent belongs to the category of technical performers. 1.2. An insurance agent is appointed and dismissed by order of the head of the company. 1.3. The insurance agent reports directly to the head of the structural unit. 1.4. During the absence of the insurance agent, his rights and obligations are performed by a person appointed in the prescribed manner. 1.5. A person with secondary vocational education and special training according to an established program is appointed to the position of an insurance agent without presenting requirements for work experience. 1.6. The insurance agent must know: - regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities; — types of insurance services and conditions of various types of insurance; — legal framework for the development of insurance activities, taking into account regional specific conditions; — the current system of social guarantees; — methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused; — fundamentals of a market economy; — fundamentals of psychology and labor organization; — the procedure for concluding and executing contracts for insurance services; — domestic and foreign experience in organizing insurance for the population and business entities; — basics of labor legislation; — rules and regulations of labor protection. 1.7. The insurance agent is guided in its activities by: - legislative acts of the Russian Federation; — The company’s charter, internal labor regulations, and other regulations of the company; — orders and instructions from management; - this job description.

2. Job responsibilities of an insurance agent

An insurance agent performs the following duties:

2.1. Carries out operations for concluding property and personal insurance contracts. 2.2. Studies regional conditions and demand for certain insurance services. 2.3. Analyzes the composition of the regional contingent of potential clients, serves individuals representing institutions, organizations and enterprises of various forms of ownership. 2.4. Conducts reasoned conversations with potential and regular clients in order to interest them in concluding or renewing insurance contracts (life and health, movable and immovable property, business and commercial activities, etc.). In the process of working with clients, she conducts observations, evaluates the characteristics of perception, memory, attention, motivation of behavior and ensures mutual understanding when concluding contracts for insurance services. 2.5. Establishes the criteria and degree of risk when concluding contracts for insurance services, taking into account the state of health, age, gender, education, length of work, level of financial support and other subjective qualities characterizing the client. 2.6. Concludes and draws up insurance contracts, regulates the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums. 2.7. Ensures the correct calculation of insurance premiums, execution of insurance documents and their safety. 2.8. Contributes to the formation of interest and demand for the insurance services provided, taking into account the need to strengthen material and moral support for various segments of the population, as well as the increasing risk associated with competition, bankruptcy, unemployment and other socio-economic processes occurring in modern conditions. 2.9. Provides assistance to clients in obtaining comprehensive information about insurance conditions. 2.10. Carries out work to identify and record potential policyholders and insurance objects, provides an assessment of the cost of insurance objects. 2.11. During the validity period of the concluded contracts, maintains contact with individuals and legal entities who have entered into contractual relations for insurance services. 2.12. In the event of damage to the insured, it makes an assessment and determines its size, taking into account the criteria and degree of risk. 2.13. Considers complaints and claims received from clients on controversial issues of calculation and payment of insurance premiums, payment of insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract. 2.14. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them. 2.15. Explores undeveloped types of insurance services and prospects for their development in order to apply them in their practice and in the creation of insurance bodies and services. 2.16. Timely and in accordance with established requirements, prepares the necessary documentation, keeps records and ensures the storage of documents related to the conclusion of insurance contracts. 2.17. Interacts with other insurance agents.

3. Rights of the insurance agent

The insurance agent has the right:

3.1. Get acquainted with draft decisions of the enterprise management concerning its activities. 3.2. Request personally or on behalf of the immediate supervisor from heads of departments of the enterprise and specialists information and documents necessary to perform his job duties. 3.3. Submit proposals for improvement of work related to the responsibilities provided for in these instructions for consideration by management. 3.4. Within your competence, inform your immediate supervisor about all shortcomings identified in the course of your activities and make proposals for their elimination. 3.5. Demand that the management of the enterprise provide assistance in the performance of its official duties and rights.

4. Liability of the insurance agent

The insurance agent is responsible for:

4.1. Improper performance or failure to fulfill one’s job duties as provided for in this job description - within the limits determined by the current labor legislation of the Russian Federation. 4.2. Offenses committed in the course of carrying out their activities - within the limits determined by the current administrative, criminal and civil legislation of the Russian Federation. 4.3. Causing material damage - within the limits determined by the current labor and civil legislation of the Russian Federation.

Now the profession of an insurance agent is in demand in large populated areas. An agent is a specialist acting on behalf of a particular company who...

On job search sites you can see a large number of advertisements for these specialists. At the same time, their wages are quite high. What kind of profession is this?

General provisions of the document

The general provisions of any job description contain information about the knowledge that an employee must be able to apply, the procedure for hiring and firing, substitution, and the hierarchy of subordination.

For an insurance agent, this paragraph contains the following points:

Accepted for a position in agreement with the head of the company according to the order of admission.
Reports on the work done to the head of the structural unit.
In case of illness or vacation, all official responsibilities are assigned to another official according to the procedure established by the company.
The specialist must have at least secondary education.

To avoid serious mistakes, the insurer should be well versed in insurance legislation, as well as monitor all changes in legislation. It is necessary to know both internal documents and management orders. A lot of important information is contained in the company's charter. also know:

types of insurance and nuances of concluding contracts;
methodology for calculating risk in the event of various situations;
methods for calculating the assessment of damage to the property of the insured;
experience of foreign and domestic colleagues;
labor legislation;
psychology of communication;
conflictology;
fundamentals for the development of insurance services.

General information about the document

Essence and purpose

An insurance agent is the link between large organizations () and people who intend to make their lives safer. The responsibilities of this specialist include finding out the desires of a potential client, as well as providing him with information regarding existing insurance conditions (these are the company’s current tariffs and proposed compensation payments).

After the parties have reached a general agreement, an insurance contract is concluded between them.

This profession imposes a number of conditions on its candidates:

Stress resistance
. This is a very important ability, since due to the specifics of this profession, frequent disputes are common. The basic rule of an insurance agent is that the client is always right. You should either come to terms with this or not go to these specialists;
Communication skills
. This skill is also very important. So, the ability to clearly explain the terms of insurance will determine whether a person signs the contract or not;
Hard work
. This profession involves a constant search for new clients. This means that you will need to constantly be on the move and lead an active lifestyle. If this does not suit you, then it is better to find another profession;
Ingenuity
. The specifics of this work sometimes require a specialist (for example, bypassing the private sector) to take the initiative to attract people to dialogue;
Developed memory
. The specialist needs to remember about all the types of insurance offered. In addition, he must remember the status of his regular clients so that he can always offer them new conditions (for example, he has not yet insured her);
Watch your appearance
. Since the agent must constantly work with people, there should be nothing repulsive in his appearance. This means that you need to take care of yourself and maintain neatness.

This specialist can be a person who has reached the age of eighteen.

What regulations governs

The activities of an insurance agent are regulated by the provisions of the Labor Code, as well as Article 8 of the Law “On the Organization of Insurance Business in the Russian Federation”.

Kinds

Today there are 4 types of insurance agents:

Direct insurance agents
. These are specialists who are on the staff of only one company. They sign contracts with new clients in her interests. As a rule, the company itself is engaged in training and employment. In the organization, their salary is divided by the established rate and% of the concluded contracts;
Monomandate insurance agents
. These specialists also work for one organization, but the specifics of their contract mean that they receive payment only through commissions. Typically they serve their private clients;
Multi-mandate insurance agents
. These agents work for several companies at once. This is beneficial for clients, since the specialist will offer optimal conditions from his point of view. Payment for his work is also made in the form of commissions;
General Agents
. This agent is not on the company's staff. His main tasks include working with the client base (negotiations, renegotiation of contracts, etc.).

Who compiles it and where it is used

The job description of an insurance agent does not have a strictly unified form. As a rule, it is developed in . Its requirements are determined by the needs of the organization itself.

The job description is used when hiring a new specialist. He must familiarize himself with its provisions in writing to gain an understanding of the specifics of the work. This subsequently guarantees the resolution of many controversial situations.

Job description of a leading insurance specialist

In the process of working with clients, she conducts observations, evaluates the characteristics of perception, memory, attention, motivation of behavior and ensures mutual understanding when concluding contracts for insurance services. Establishes the criteria and degree of risk when concluding contracts for insurance services, taking into account the state of health, age, gender, education, length of work, level of financial support and other subjective qualities characterizing the client. Concludes and draws up insurance contracts, regulates the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums. Ensures the correct calculation of insurance premiums, execution of insurance documents and their safety.

Ensures the correct calculation of insurance premiums, execution of insurance documents and their safety.2.8. Contributes to the formation of interest and demand for the insurance services provided, taking into account the need to strengthen material and moral support for various segments of the population, as well as the increase in risk associated with competition, bankruptcy, unemployment and other socio-economic processes occurring in modern conditions.2.9. Provides assistance to clients in obtaining comprehensive information about insurance conditions.2.10.

Carries out work to identify and record potential policyholders and insurance objects, provides an assessment of the cost of insurance objects.2.11. During the validity period of the concluded contracts, maintains contact with individuals and legal entities who have entered into contractual relations for insurance services.2.12. RightsA specialist in working with a medical insurance company and the Compulsory Medical Insurance Fund has the right: To get acquainted with the draft decisions of the Organization’s management concerning its activities. Submit proposals for improvement of work related to the responsibilities provided for in these instructions for consideration by management. Receive from heads of structural divisions, specialists information and documents necessary to perform their job duties. Involve specialists from other structural divisions of the enterprise to perform assigned duties with the written permission of the General Director of the Organization. Demand that the leadership of the Organization provide assistance in the performance of their duties and rights.5.

The profession of an insurance agent is very prestigious in large cities.

An agent is a person who acts on behalf of a particular company and enters into insurance contracts.

Now you can find a huge number of vacancies with fairly decent salaries. Is being an insurance agent really such a prestigious profession?

Insurance agent

After these steps, an insurance contract is concluded on the most favorable terms for the client.

This profession has certain requirements for candidates. Suitable for sociable and goal-oriented people

. Anyone who has reached the age of majority can become an insurance agent.

Provisions of the job description of an insurance agent

General provisions

An insurance agent is a technical performer;
A specialist with secondary vocational education or who has completed special training (courses) of the company can apply for the position of agent;
An agent can appoint and dismiss an agent from a position;
The insurance agent is required to know the following: All regulatory documents and regulations governing his activities;
All types of insurance services provided by the company;
All legal frameworks at the regional level;
Current system of social guarantees;
Methods for determining the degree of risk and assessing damage;
Basic rules of a market economy;
Basic knowledge of human psychology and work organization;
The procedure for drawing up and signing an agreement;
Labor legislation;
Labor safety rules.

During the agent's absence from the workplace, his duties will be performed by a designated responsible person.

Job responsibilities

This specialist must:

Conclude agreements with clients regarding property and personal insurance;
Conduct an analysis of regional demand for certain insurance offers;
Conduct analysis among potential clients. Negotiate with organizations of various forms of ownership;
Negotiate with potential and existing clients to renew or renew contracts. During negotiations, analyze the client’s needs;
Correctly assess the degree of risk and set appropriate criteria. This takes into account the state of health, finances, and psychological level of the person;
Conclude contracts and subsequently regulate relations between the client and the company. Accept insurance premiums;
Monitor the correct calculation of insurance premiums, draw up relevant documents and ensure their savings;
Create interest and demand for certain insurance services offered by the company;
Inform clients about all insurance conditions;
Maintaining contact with clients throughout the contract;
Consideration of all claims received from clients;
Determine the reasons for the violation of the contract and take actions to solve these problems;
Maintaining all documentation necessary to carry out activities;
Interact with other insurance agents.

Rights

The agent has the following rights:

Get to know everyone related to his activities;
Request from your management the information necessary to carry out your job duties;
Offer suggestions for improving the work process;
Demand assistance from management to fulfill official duties and rights.

The video below will tell you who an insurance agent is:

Responsibility

The agent is responsible for:

Poor quality performance of one's immediate official duties;
Offenses that were committed during the performance of official duties;
Intentional or accidental causing of material damage in accordance with the labor and criminal legislation of the Russian Federation.

The profession of an insurance agent is very important in the modern world. Moreover, such a specialist must have extensive knowledge in various fields. This concerns psychology, legislation and the ability to critically assess the situation. High stress resistance, as mentioned earlier, is the main criterion for this profession.

The profession of an insurance agent involves constant contact with people and negotiations. A member of the profession sells insurance services that are difficult to understand. Therefore, it is very important that a specialist has good communication skills, the ability to work with information, listen and persuade in order to achieve success in this area.

What does an insurance agent do?

Clarifies the client’s needs, offers the necessary insurance options, explains the nuances of insurance rates, the conditions of compensation payments, concludes contracts on behalf of the insurance company and monitors their implementation.

Job description of an insurance specialist

Familiarization of employees of the auto insurance department with the information and materials necessary for work (conditions, tariffs, orders, instructions from insurance companies, etc.). Training of new employees. Identification and organization of elimination of errors under concluded insurance contracts. Contact with representatives of insurance companies for preliminary cooperation agreements (assessing the competitiveness of the conditions of the insurance company being considered for cooperation relative to the conditions of the partner companies of the auto center in order to increase sales of the department). Drawing up letters, notifications of applications for partner insurance companies. Reporting on documents (applications for BSO, their accounting, control, write-off , generation of reports on concluded contracts). Replacement of the manager during his absence in terms of making current work decisions. Head of the insurance department: Head of the insurance department - organizes and controls retail and corporate sales, operational marketing activities, negotiates with partners and corporate clients of the Territorial Division, ensures a high-quality composition of agents and the organization of their work in order to achieve the planned sales volume and other business indicators Territorial division. Main duties and responsibilities: Ensuring and implementing a system of corporate and retail sales c. Territorial division. 1. Organization of the process of corporate and retail sales of the Territorial division. 2. Organization of sales infrastructure in accordance with approved indicators. 3. Planning and implementation of activities aimed at increasing sales volume. 4.

Attention

Expert knowledge of: sales management principles, sales organization technologies. Insurance agent. The main and key figure driving the mechanism for selling insurance policies has been and remains the insurance agent. In accordance with Art. 8 of the Law of the Russian Federation “On Insurance”, insurance agents are individuals or legal entities acting on behalf of the insurer and on his behalf in accordance with the powers granted.

In practice, an insurance agent is, as a rule, an employee of an insurance company who receives a commission for collecting insurance premiums and servicing policyholders on the basis of a concluded agreement (contract). Characteristics of insurance agents: According to various characteristics, they differ: 1) direct insurance agents; 2) monomandate insurance agents; 3) multi-mandate insurance agents; 4) general agents.

History of the profession

Insurance arose 2 thousand years BC, when professional communities (shipbuilders, drivers, merchants) agreed in advance to distribute losses among themselves in the event of an attack, theft, natural disaster, etc. In ancient Rome, special boards appeared that collected insurance premiums, allowed them to grow at interest, and paid “insurance amounts.”

In the Middle Ages, two main areas were distinguished - 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 20th century, insurance developed intensively, and there was an active accumulation of insurance capital.

Today, more and more organizations and citizens consciously choose insurance as an effective mechanism for protecting their property and personal interests. That is why the profession of an insurance agent is very in demand and popular.

Responsibilities of an insurance agent

They are in many ways similar to the responsibilities of a sales manager, as they involve selling services. The duties of an insurance agent are:

active sales (search for clients, telephone and personal negotiations, conclusion of contracts);
maintaining the existing client base (renewal and expansion of insurance agreements);
consultations on the features of various types of insurance;
maintaining document flow (contracts, invoices, acts, etc.);
resolving issues regarding damage assessment and insurance payments;
analysis of the causes of contract violations and taking measures to eliminate them.

The functions of an insurance agent may also include:

preparation of statistical reporting - weekly, monthly, annual;
collection of insurance payments.

Job Description Head of Department for Work with Insurance Companies

Get acquainted with draft decisions of the enterprise management concerning its activities. 3. 2. Request personally or on behalf of the immediate supervisor from the heads of departments of the enterprise and specialists for information and documents necessary to fulfill his official duties. 3. 3.

Studies regional conditions and demand for certain insurance services.2.3. Analyzes the composition of the regional contingent of potential clients, serves individuals representing institutions, organizations and enterprises of various forms of ownership.2.4.

For the production of business cards in connection with the performance of official duties related to maintaining contacts with other organizations, institutions and enterprises.

How to become an insurance agent

To become an insurance agent, you just need to get started! An insurance agent only needs a secondary specialized education and a desire to work in insurance. Insurance companies independently organize training for new employees. Basic skills can be acquired on the job.

Success in the profession depends solely on hard work and determination. By the way, according to statistics, excellent results in this area are achieved by students and people over 50 years of age.