What is needed to become an insurer. Job description of an insurance agent

Throughout history, humanity 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 led to the formation of solidarity systems for the accumulation of material and financial resources.

This is how the insurance institution arose, which in the modern market acquired not only an economic, but also a social function. A person who devotes himself to the insurance business takes on an important social mission. Therefore, the profession of an insurance agent deserves special respect.

Main tasks and types of insurance

For successful activity in a particular economic sphere, it is necessary to understand the general principles of its functioning and knowledge of the main functions performed. Insurance accumulates financial resources in order to effectively use them to solve the following important tasks:

1. Compensation for damage caused by unfavorable events.
2. Providing regular insurance assistance when a person reaches a certain age or loses his ability to work (pension provision).
3. Providing medical care.
4. Saving and investing accumulated funds.

Insurance can be personal or property, voluntary or compulsory. Its objects are human life and health, civil liability, property and material assets. This diversity determines the formation of relevant industries and systems of insurance activities.

Successful work as an insurance agent in each of them requires possession of a certain set of professional knowledge and skills.

Who provides insurance services?

Insurance is the subject of government 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 societies that operate on the basis of special licenses.

These can be public or private companies operating both at the local, federal and even international level. They can specialize in providing individual insurance services or cover several segments of the insurance market.

Based on 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 with a developed network of horizontal and vertical connections is formed.

In this structure, the profession of an insurance agent is considered as the most widely in demand. It offers the opportunity for career growth and implementation in projects of various sizes and financial volumes.

Who is an insurance agent

An insurance agent can be an individual or legal entity who, on a contractual basis, represents an insurance company, performing actions in accordance with its authority.

An insurance agent acts on behalf of and on behalf of the insurance company. He sells its products, concludes contracts, draws up the necessary documents, accepts insurance premiums, and also pays insurance compensation within the established limits.

Before you understand how to become an insurance agent, it will not hurt to know that most of them in Russia are individuals. The most common practice of forming agent networks is concluding civil contracts with agents.

At the same time, insurance agents have the opportunity to enter into separate contracts with various insurance companies and, thus, provide a larger range of insurance services.

In addition, this expands the opportunities for agents to earn additional income. It is also practiced to work as an insurance agent under an employment contract. Let's figure it out further.

Employment

The profession of insurance agent is included in the All-Russian Classification of Worker Professions, Employee Positions and Tariff Classes. An agent hired under 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 qualifications of the specialist. Of course, if we are talking about a large international organization, then the salary can be quite high. But at the same time, appropriate requirements are put forward for the employee’s competencies, education and work experience.

Working as a free agent

An 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 work of an entrepreneur. In fact, the agent independently finds clients, studies their needs, and offers optimal insurance protection solutions.

He prepares and concludes contracts with policyholders, accompanies and services their implementation. The agent's interest is to receive a commission from insurance premiums under contracts that he has concluded with policyholders. The amount of this remuneration and the procedure for financial settlements are determined by the terms of the agreement concluded with the company.

This scheme encourages the agent to earn more money through active promotion of the insurer’s products on the market and the development of new types of insurance services.

What you need to know and be able to do

A successful insurance company agent is, first of all, a competent specialist who has comprehensive knowledge about the insurance product being promoted and the methods of insurance protection. But when working with clients, requirements for personal qualities come to the fore.

The most important thing is the ability to build trusting contact with a potential policyholder. The client must trust the company and to a large extent this depends on its representative.

The agent must demonstrate goodwill and attention, have a winning appearance, show patience and a willingness to resolve conflict situations.

Equally important qualities are planning skills, desire to learn, perseverance and energy. And for work to bring material and moral satisfaction, you must have an interest in insurance as a profession and a desire to work and earn money.

How to learn the basics of insurance

Insurance agents are trained in courses of varying lengths or in schools created by insurance companies. Training can be full-time or part-time. The educational process uses modern teaching technologies. It includes trainings and business games. Virtual classes, webinars, and educational videos are widely used.

For example, the initial training of agents at the Rosgosstrakh company is carried out according to a separate training system, which is called the Insurance Agent School. All employees of the organization’s sales departments, without exception, must undergo training.

During the classes, students learn basic skills in working with clients and study the company's insurance products. After studying at school, in the process of working, an insurance agent of Rosgosstrakh has the opportunity to improve his skills in relevant courses and master the features of managing an insurance business.

Where to begin

So, after getting an initial idea about the profession of an insurance agent, assessing all the pros and cons, the question is “how to become an insurance agent?” gained the power necessary to bring it to life.

To begin with, it is advisable to decide on the choice of the company in which you would like to work. It would be wise for a beginner to contact organizations that have a long-standing positive reputation in the insurance market and provide the opportunity to receive initial training.

In addition, it is advisable to pay attention to how the company builds relationships with its agents. For example, the largest insurance company Rosgosstrakh specifically emphasizes the importance of cooperation with 65,000 agents who represent it in all regions of Russia. All conditions have been created for them to have a successful start in the insurance market.

What affects an agent's earnings?

The conditions for the agent to receive a commission are determined by the contract with the insurance company. At the same time, there are objective reasons that influence the amount of possible earnings. First of all, this is the region in which the agent works, since the level of income of the population affects its ability to save additional funds, including for insurance needs. For example, an insurance agent at Rosgosstrakh may earn up to 80,000 rubles in the capital region, while in the country the amount of income can range from 10,000 to 30,000 rubles.

All other things being equal, the amount of income of an insurance agent depends on how competently he can plan and organize his activities. Will he be able to form an adequate portfolio of proposals? How effectively does he organize the attraction of clients and further interaction with them?

The modern world forces us to constantly change, master new types of activities and specialties. The profession of an insurance agent provides people who choose it with the opportunity not only to earn money, but also to reveal their entrepreneurial potential, gain a wide range of useful and pleasant acquaintances, constantly keep up with the times, and, most importantly, benefit people.

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. Fits sociable and goal-oriented people. Anyone who has reached the age of majority can become an insurance agent.

Responsibilities of insurance agents

1. Search for clients. Insurance agent on one's own is looking for clients who will use its services. It is very difficult to develop a base at first and will require a lot of effort. Directly depends on the number of clients salary amount.
2. Conclusion of contracts. An insurance agent must be able to conclude contracts for each type of insurance. This specialist also renegotiates contracts. Carries financial liability.
3. 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.
4. Accounting and security of documents. The insurance agent is fully responsible for storage of insurance policies and contributions.
5. Advertising of services. Insurance agents must make active advertising of its services to the population. Attracting new clients is a prerequisite for working as an insurance agent.

The main and main task of an insurance agent is Attraction of 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 simple to perform, but not everyone can do it.

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 - quite active work, 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.

Insurance agent working per 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 insurance broker.

An insurance broker, unlike an agent, can work immediately 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 better informed about the features of the insurance market than agents.

How to become an insurance agent

Anyone who wants to work can become an insurance agent. For this it is enough to have 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 has 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 there 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 2019. 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.

Typical information about the knowledge that an insurance agent should have is presented. About duties, rights and responsibilities.

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

1. 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.

2. 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 support 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.

3. Rights of an insurance agent

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.

4. Liability of the insurance agent

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 2019. 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.

Becoming an insurance broker under the Gosavtopolis franchise is an easy way to open your own insurance business in 20 days with minimal investment and start making money on all types of insurance, including car insurance (MTPL, CASCO, DGO).

Insurance broker commission

Basically, insurance agents and insurance brokers sell auto insurance policies (CASCO and OSAGO), but in their arsenal there are many other insurance products related to health, property, real estate, etc. For some of them, the broker’s sales commission can reach 40% from the price of concluded insurance contracts.

How to become an agent from different insurance companies

How to become an insurance agent for compulsory motor liability insurance and other types of insurance in various companies? An insurance agent's income is the percentage of sales that he receives for each policy issued to a client. The question arises: is career growth possible for insurance agents? The majority of insurance companies determine career growth by increasing the amount of interest from the transaction paid to the insurance agent. The agent himself may think: “I want to become an insurance broker!”

And, having accumulated 2-3 years of experience in this area, having built up a client base, the agent may well become an insurance broker for compulsory motor liability insurance and other types of insurance. Unlike an insurance agent, an insurance broker primarily serves the client, and not the interests of the insurance company, selecting the optimal insurance option for the client among the list of various insurance companies represented in the city. At the same time, when selecting an insurance company, the insurance broker must take into account the list of risks that the client wants to protect with the help of the policy.

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How to become an insurance broker easier and faster?

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

Insurance agent - what is the advantage?

Law of working as an agent No. 1.

Working as an insurance agent means representing the interests of an insurance company and receiving compensation for it.
Based on the reviews of those who already work in insurance, we can say with confidence that working as an agent in an insurance company means having full freedom and independence. No bosses or calls to the carpet. No “obligations” or corporate “blizzard”. Are you tired of this? From plans, directions and instructions?

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

Professionalism in insurance = money

Law of working as an agent No. 2.

Mastering the profession of an insurance agent means working on your professionalism. Since the insurance agent is his own boss, it is necessary 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 beneficial to be a professional?

It is known that professionalism in the work of an insurance agent is synonym for profit. In other words, the more professional an insurance agent is, the more money he makes. Let's give an example. According to reviews and statistics, you can approach the work of an agent “carelessly” and earn 1000 rubles from an issued compulsory motor liability insurance policy, but you can be a professional who is competent, sociable and trained enough to sell an expensive insurance product, for example, CASCO. Therefore, by selling CASCO insurance, you can earn not 1000 rubles, but 10,000 rubles. — 18,000 rub. also from one policy. Do the math for yourself: being a professional is 10-18 times more profitable.

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

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

Law of working 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 involves interaction with insurance companies. And insurance companies hire people (future insurance agents), promising them a high income that has no “ceiling.” And it is true! After all, an insurance agent who works diligently 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 100,000 rub. at once and even more! And this is far from the highest income you can get 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 around 80-130 thousand rubles. per 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 work in insurance not 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, staff training, acquiring new insurance sales technologies, and also invest in actively attracting clients, have, according to our statistics, a monthly income of over 500 thousand rubles

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

Work training for an insurance agent

Law of working as an agent No. 4.

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

• ability to negotiate, present types of insurance,
• competent speech and communication skills,
• activity and stress resistance,
• 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, that’s okay too, 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 reviews from insurance workers and form your own opinion, take our free online course:

5th law of working with insurance business

Watch the latest law of work in insurance in this video.

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