Insurance agent

1. Official duties

The representative of the insurance company. Carries out transactions on the conclusion of contracts of property and personal insurance. Examines regional conditions and demand for certain insurance services. Analyzes the composition of the regional contingent of potential customers, serves individuals and legal entities, representing institutions, organizations and enterprises of various forms of ownership. Conducts reasoned conversations with potential and regular customers in order to interest them in entering into or extending insurance contracts (life and health, movable and immovable property, business and commercial activities, etc.).

In the process of working with clients, he conducts observation, assesses the characteristics of perception, memory, attention, behavior motivation and ensures mutual understanding when entering into contracts for insurance services. Establishes the criteria and the degree of risk in the conclusion of contracts for insurance services, taking into account the state of health, age, sex, education, work experience, level of material support and other subjective qualities that characterize the client.

Concludes and draws insurance contracts, regulates the relationship between the insurer and the insurer, ensures their implementation, accepts insurance premiums. Ensures the correctness of the calculation of insurance premiums, registration of insurance documents and their safety. It contributes to the formation of interest and demand for insurance services provided, taking into account the need to strengthen material and moral support of various segments of the population, as well as the increased risk associated with competition, bankruptcy, unemployment and other socio-economic processes occurring in modern conditions. Assists clients in obtaining comprehensive information about insurance conditions.

Carries out work on identification and accounting of potential insurers and insurance objects, gives an estimate of the value of insurance objects. During the period of validity of the concluded contracts, it maintains contact with individuals and legal entities that have entered into contractual relations for insurance services. In the event of damage to the insured, he evaluates and determines its size taking into account the criteria and the degree of risk. Considers complaints and complaints received from clients regarding controversial issues regarding the calculation and payment of insurance premiums and the payment of insurance compensation in the event of an insured event in accordance with the terms of the contract. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them. Explores the untapped types of insurance services and the prospects for their development in order to apply them in their practice and in the creation of insurance bodies and services. In a timely manner and in accordance with the established requirements, draws up the necessary documentation, keeps records and ensures the storage of documents related to the conclusion of insurance contracts. It interacts with other insurance agents.

2. Must know

Regulatory legal acts, regulations, instructions, other guidelines and documents regulating the activities of insurance bodies; 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; the basics of a market economy; fundamentals of psychology and work organization; the procedure for the conclusion and execution of contracts for insurance services; domestic and foreign experience in organizing insurance for the population and economic entities; basics of labor law; rules and norms of labor protection.

3. Qualification requirements

Secondary vocational education and special training according to the established program without making requirements for work experience.

See also: Job description insurance agent