What Are the Different Types of Insurance Agents?

An insurance agent refers to a person who, under the authority of the insurer's commission, conducts insurance business and collects agency fees. The insurance agent conducts business activities in the name of the insurer within the scope authorized by the insurer, including business promotion activities, accepting insurance, issuing temporary insurance policies or insurance policies, collecting insurance premiums on its behalf, investigating and investigating claims. Agency fees are usually paid in proportion to business volume. According to the scope of business, insurance agents can be divided into general agents, local agents and part-time agents. The way of agency includes a special agent that only acts for one insurance company, and an independent agent that can act for multiple insurance companies at the same time.

Insurance agent

(1) Because

Throughout the development history of the insurance industry in western developed countries, insurance agents have played an important role in it. They are

Certification and induction:

Business Scope of Insurance Agent: Agent

(1) The agency behavior of an insurance agent is an act regulated by insurance law and civil law.

The insurance acts of insurance agents are subject to insurance law. Many laws and regulations in Chapter 5 of the "Insurance Law of the People's Republic of China" "Insurance Agents and Insurance Brokers" and Chapter 7 "Legal Liability" provide for the conduct of insurance agents. In addition, insurance agents are civil legal acts, so the acts of insurance agents are regulated by civil law.

(2) The agency behavior of the insurance agent is based on the agency agent authorized by the insurer.

The agency right of an insurance agent arises from the authorization of the insurer and belongs to the agency. The entrusted agency shall be in writing. An insurance agency contract is an agreement reached between an insurer and an insurance agent on the commission of insurance business, and is a legal document proving the agency's relevant agency rights.

(3) The agency behavior of an insurance agent is an intermediary act representing the interests of the insurer.

From a legal perspective, insurance agents carry out business on behalf of the insurer's interests within the scope authorized by the agency contract. From a market perspective, insurance agency behavior is an intermediary behavior in the insurance market.

(4) The powers of insurance agents include

The rights and obligations of insurance agents arise from insurance agency contracts. An insurance agent contract is an agreement between the insurance agent and the insurer to clarify the rights and obligations of both parties. Generally speaking, the rights and obligations of insurance agents include the following:

1. Responsible for selling insurance products and assisting

The professional ethics of an insurance agent refers to the sum of the code of conduct that units or individuals engaged in the profession of insurance agents observe in the work of insurance agents, which has the characteristics of integrity and legality. mainly include:

1. Test question introduction (from July 1, 2013):

   (1) Select 90 courses (1 point for each question), and judge 10 (Legal knowledge, 1 point for each question).

   (2) The scope of the proposition is as follows: the knowledge of insurance principles accounts for 30 points, the scope of the proposition is Chapters 1 to 5 of the book "Basic Knowledge of Insurance"; the knowledge of property insurance accounts for 10 points, the scope of the proposition is "Books of Basic Insurance" Chapter 6 of the book; Life insurance knowledge accounts for 25 points, the scope of the proposition is Chapter 7 of the book "Basic Knowledge of Insurance"; "Measures for the Supervision of Insurance Sales Practitioners", Professional Ethics and Practice Code of Practice account for 15 points. Compilation of Insurance Intermediaries and Related Regulations, Chapters 8 and 9 of the book "Basic Knowledge of Insurance"; other relevant regulations account for 20 points, and the scope of the proposition is "Compilation of Insurance Intermediaries and Related Regulations and Regulations", of which the "People's Republic of China Insurance Law "10 points (all judgement questions)," Regulations on the Supervision of Insurance Professional Agencies "," General Principles of the Civil Law of the People's Republic of China "," The Law of the People's Republic of China on the Protection of Consumers' Rights and Interests "and the" Anti-Unfair Competition Law of the People's Republic of China " 10 points.

   (3) The full score of this test is 100 points, and 60 or more points are passed.

   The reference books for the qualification test of insurance sales practitioners are the two books of "Basic Knowledge of Insurance" (2013 edition) and "Compilation of Insurance Intermediaries and Related Regulations" (2013 edition) published by China Finance and Economics Press.

   The business scope of insurance agents varies by type. The business scope of an insurance agency company is: selling insurance products on behalf of agents, collecting premiums on behalf of agents, and assisting insurance companies in the investigation and settlement of losses. The business scope of part-time insurance agents is: selling insurance products on behalf of agents, and collecting premiums on behalf of agents. The business scope of personal agents is: Personal agents of property insurance companies can only represent family property insurance, personal transport insurance and third party liability insurance. The personal agent of a life insurance company can represent personal life insurance, personal life insurance, personal accident insurance and personal health insurance.

   The qualification examination for insurance agent practitioners shall be implemented in paper and electronic examinations, and the qualification examination for insurance brokerage practitioners and insurance assessors shall be implemented electronically.

   The number of questions for the insurance agent qualification exam is: 90 multiple choice questions, 1 point each; 10 judgement questions, 1 point each; 100 points for the test paper and 60 points for the passing mark. The number of questions for the qualification test for insurance brokerage practitioners and insurance assessor practitioners is: 100 multiple-choice questions, 1 point for each question, and a perfect score for the test paper

   China Life Insurance Manager

   For the crowd: mainly for

   1.Long-term meditation type

   Such insurance agents have been in the insurance industry for more than 5 years. In an industry where the personnel elimination rate is very high, being able to persist for a long time shows that he is relatively successful and reliable.

   2. Attentive service

   Whether it is an old insurance agent who has been in the insurance industry for many years, or a new entry agent, as long as he is enthusiastic and attentive, it is often difficult for people to refuse. Such agents will always do their best to meet the requirements of customers.

   3. Financial advisory type

   The professional standard of financial management is their capital to win customers. They usually have personal websites that demonstrate the pros and cons of various products to customers via laptops. While doing insurance planning for clients, they can also provide professional advice on stocks, funds, real estate and so on.

   4, enthusiastic matchmaker type

   The matchmaker-type agent is enthusiastic and has extensive network of friends and relationships. They are good at integrating customer resources and making everyone mutually beneficial. You can introduce friends who are doctors when you are sick, and introduce tutors when you need tuition.

   5.Health Consultant

   People who buy insurance are most keen to buy medical insurance, which reflects the emphasis on healthy living. A considerable number of agents have learned a lot of medical knowledge in the process of service. They can make various health proposals for customers' lives and get customers free health consultation.

   1. Those who are quick and quick

   The first time they met, they encouraged customers to buy high premium insurance, or kept entanglement with customers when they didn't need them. This kind of agent was annoying.

   2, a clever tongue like a spring

   When I first met, I was so talked about, that I sold my products and my company in a hurry, instead of listening to customers' ideas and requirements.

   3. Not professional enough

   This type of person often knows about insurance themselves, but sells insurance to customers out of a desire for profit. Although some of them may be your relatives and friends, you should not be tempted to avoid being misled by misleading in the future.

   4. Poor health

   The term of insurance is often decades, and of course requires the long-term service of an agent. If you are a young man in your 20s and 30s, then it is obviously not suitable to buy insurance through an "aunty" agent who is 40 or 50 years old. And frail and sick agents are often mud bodhisattva crossing the river-it is difficult to protect themselves.

   5. Frequent job changers

   Among the agent teams, there is a category of "insurance flea". Which company provides good treatment will soon move to the past, and there are several times a year. This is irresponsible behavior for old customers, because they change jobs and the customer's policy becomes an "orphan policy", and the service is discounted.