Our life is full of surprises, sometimes they happennot the most pleasant. Any of us can face the fact that they'll steal a car in broad daylight or a fire in an apartment or house (and not necessarily for your own fault, there are also neighbors) or natural phenomena with unprincipled impudence will disrupt the usual course of things. There is a confluence of circumstances that do not depend on us. It is from such cases that we can save an insurance agent, or rather, insurance, designed with his help.
Who is this mysterious person who offers us his services, when everything is so good for us, and we do not always want to part with our money because of phantom fears?
An insurance agent is a representative of an insurance company.a company that is an intermediary between clients (people who want to receive insurance services) and an insurer (a company that provides insurance services and undertakes to pay a certain amount in the event of an insured event). He was given the right to conclude contracts on behalf of the firm.
The insurance agent will help you choose the best type of insurance and properly arrange it. It is he who will communicate with you on behalf of the insurance company for the duration of the contract.
Each insurance agent is a seller, a psychologist, an economist, and an analyst. And all rolled into one!
Having fairly broad powers, the insurance agent of duty takes on complicated ones. Consider them.
The insurance agent is obliged:
- Conclude and formalize contracts for both personal and property insurance, ensure their implementation, and accept insurance premiums.
- Conduct an active search and identify potential customers, as well as keep a record of potential objects of insurers and insurance objects.
- Be able to give an adequate estimate of the value of the object of insurance.
- Know the region and demand for certain types of insurance services.
- Conduct substantive, well-reasoned conversations with regular and potential clients in order to conclude new contracts and re-establish old ones.
- Be able to establish trust with clients, know the specifics of their thinking and motivation for behavior.
- Adequately assess the degree and risk criteria forconclusion of contracts, taking into account the age, health status, gender, level of material wealth and other qualities that characterize the client.
- Be able to correctly calculate insurance premiums, make out insurance documents and ensure their safety.
- To be able to promote the offers of an insurance companyin the market of services, using the ongoing political and socio-economic processes to create a stable demand for promoted insurance services.
- Provide clients with comprehensive information on all matters relating to the terms of insurance.
- During the entire period of the concluded contract, maintain contact with customers who have issued a contract for the provision of insurance services. To resolve all disputable issues, complaints, claims.
- Be able to identify the occurrence of an insured event in accordance with the contract, correctly perform its assessment and the amount of insurance compensation payments, considering all the criteria.
