What Does an Insurance Producer Do?

Insurance services refer to all valuable activities provided by insurance companies to the public.

Insurance services

Right!

Insurance services refer to all valuable activities provided by insurance companies to the public.

Chinese name

Insurance services

Meaning

Modern service concept

Content

Insurance protection

Features

Show obvious extension

Insurance services refer to all valuable activities provided by insurance companies to the public. This is a modern service concept. The biggest difference between it and traditional services is that it shows a significant extension. The traditional view is that the insurance company's services are concentrated in the form of economic compensation and payment. As long as the insurance liability for the customer is fulfilled, it means that it has provided a good service. The modern service concept believes that the insurance service is far from limited. Here, all kinds of diffused services around the core of economic compensation and payment are within the service scope of insurance companies. ^[1]

1. Non-physical. ^[1]

Insurance services

Pre-sale service refers to the insurance-related services provided to customers before the sale of insurance products. This is based on a careful study of the psychological needs of people's insurance needs. Before they are exposed to insurance products, they use a series of incentives to stimulate customers' desire to buy. And the services provided. ^[1]

The content of insurance pre-sales services is very rich, and its core is to provide convenience to customers. The specific contents are as follows:

1. Purchase consulting services

People need to know about insurance information before taking out insurance, such as the situation of the insurance company, the type of insurance, the content of the terms, etc. Employees of insurance companies should serve their customers wholeheartedly and do everything possible to pass on the information that customers expect.

1) Information services to be provided by insurance companies

A. Use insurance to pass insurance information. Can pass: idea information, service information and visual information. That is, the information about the insurance company's corporate spirit, business purposes, management goals and other information, service items and services content is insurance information, company name, office conditions, employee image and other visual information.

B. Pass insurance information through public relations activities. Through insurance news activities, press conferences, insurance photography promotion, insurance sponsorship activities, etc., we can promote communication with consumers and establish a good corporate image of the company.

2) Information services to be provided by insurance marketers

Generally speaking, insurance companies mainly promote information such as corporate image through the media, and specific types of insurance information need to be completed with the help of specific personnel such as insurance marketers. Customers cannot fully understand the nature of insurance, and it is more difficult to understand the terms of insurance. Customers need to explain the content of insurance clauses one-to-one. It should be said that the information services provided by individuals are more direct, detailed and effective than those provided by insurance companies.

2. Risk planning and management services

1) Help customers identify risks

A. Help customers identify family risks. People face various risks at any time in their lives, such as life, old age, illness, and death, which will endanger human life and body, cause inconvenience to life and economic difficulties. However, many customers ignore the existence of risks, or do not realize that they are at risk, and insurance marketers should help customers identify the main family risks.

B. Help companies identify risks. Insurance business personnel should go deep into the enterprise and use appropriate methods to assist the enterprise in identifying risks according to relevant information provided by the enterprise. For example, whether there are flammable items in warehouse inventory, and whether the machinery and equipment are overloaded.

2) Help customers choose risk prevention measures

A. Help customers make home financial plans. At different times in a person's life, there are different characteristics. Financial planning in the different stages of growth, youth, middle age, and old age should be focused and different. Insurance marketers should help customers with financial analysis and financial planning.

B. Help enterprises to prevent risks. From the perspective of the enterprise, risk avoidance and risk transfer can be performed. The key to determining whether to transfer risk is to compare the cost and expense of risk retention and risk transfer. The services of insurance business personnel are also reflected here. Risk retention is beneficial to the company in the following situations: retention costs are lower than the additional costs of the insurer; costs and losses are distributed over a long period of time, resulting in a large opportunity cost; good investment opportunities, high expected returns; Have the financial capacity to withstand the greatest potential losses.

After the risk is retained, the income of the insurance business personnel may be reduced. Therefore, the insurance business personnel cannot harm the interests of the customers because of their own private benefits, and intentionally said that the risk does not need to be transferred.

Insurance services on sale

In-sale service refers to various services directly provided for sales activities in the process of buying and selling insurance products, and it is a key link in the realization of sales. Its main contents are:

1. Welcome service. Only by being enthusiastic and patient with customers can we attract business for the company. Welcome service is the intermediate link between pre-sale and on-sale services. It refers to both pure service welcome service and the first procedure of sales operation. The first impression of high-quality welcome service to customers is that other service items cannot replace it. In the welcome service, relevant personnel of the insurance company are required: smile service; have a good service attitude, such as sincerity, enthusiasm, and modestness; have beautiful service behavior.

2. Underwriting services. That is, from business contact, negotiation, insurance application, audit, insurance inspection, business acceptance, system production, collection of premiums, to review and signature, clear delivery, archiving and storage.

3. Technical services. Provide insurance business guidance to insured customers and provide fast and effective services.

4. Establish a policyholder file. For example, in property insurance, the name of the unit, legal representative, property ownership, location, and disaster prevention.

Insurance service

1. Reasons for providing after-sales service to policyholders

The main features are: after-sales service can best reflect the characteristics of an insurance company or marketer; insurers buy services instead of insurance products; the quality of after-sales services often influences the choice of customers; it can explore other needs of customers; ; Can grasp customer information at any time. and many more.

2. After-sales service work content

1) Marketer: should seize every opportunity to maintain close contact with the policyholder, or send small gifts, call to greetings, visit regularly, etc.

2) Insurance companies: Disaster prevention and loss prevention services should be provided. Insurance companies can take various measures to minimize the occurrence of insured accidents to reduce losses.

Specifically, it includes safety precautions before disasters, rescue and rescue in disasters, and post-disaster cleanup assessments. Although insurance and disaster prevention are free, it is basically to reduce accidents, reduce losses, and enhance the corporate image. In addition, an insurance company should also provide claims services. When an insured subject occurs, the insurer performs compensation or payment responsibilities in accordance with the insurance contract and processes the claims made by the insured. In this process, claims should be dealt with promptly, accurately and reasonably. When making claims, we must seek truth from facts and adhere to the principle of "active, rapid, accurate, and reasonable."

3) Insurance companies should also provide value-added services, such as insurance sponsorships, networking events, global assistance, VIP cards, etc.

4) Provide contract security services, that is, to maintain the effective policies and make corresponding changes to the policies in a timely manner.

5) Consultation and appeal system, that is, to provide timely consultation and appeal responses.