Who am I?
I am an insurance broker. Who is an insurance broker? What is the difference between selling insurance?
The " Insurance Law " stipulates that two types of people can engage in the sales of insurance products and collect commissions from insurance companies:
Article 117: Insurance agent is an institution or individual that charges commissions from the insurer based on the insurer's entrustment and handles insurance business on behalf of the insurer within the scope authorized by the insurer.
Article 118: Insurance broker is an institution that provides intermediary services for the insured to enter into an insurance contract with the insured and collects commissions in accordance with the law based on the interests of the insured.
(PS: the insurer is the insurance company)
Use a picture to see their differences.
From the perspective of working methods and nature, insurance brokers sell services, while insurance agents sell products. The two are different industries in the industry, and the two occupations are inevitable products of different development stages of the insurance industry, and they complement each other.
Why do you need to be an insurance broker?
Insurance agents only serve one company and represent one company's products. Regardless of whether the product is good or bad, whether the customer is satisfied or not, the agent's task is to sell the product.
Insurance brokers have signed contracts with multiple companies to sell their products. Brokers can tailor the solutions and select products based on their own research on the products and according to their specific needs. The logo of a contracted insurance company of a certain insurance brokerage company is attached below
. The brokerage company's product library is extremely rich.
has a rich product reserve, and insurance brokers can make customers buy well, buy correctly, and buy smoothly according to their needs.
As an insurance broker, there is no need to sell products against one’s will, no need to hide the shortcomings of the product, and no need to worry that customers will run away because they see better products, because our goal is to let customers buy the products they think are the best.
As insurance brokers, we will not be ashamed to mention the industry we are in in front of relatives and friends, because we are no longer the "insurance seller" mentioned by the older generation.
Gene determines attributes, attributes determine positions
Once a dispute arises between the insurance company and the policyholder, who will the insurance agent help?
helps the insured? Don't forget who is paying the agent.
Will insurance brokers be afraid of insurance companies? Will it help the insured fight for legitimate interests?
Insurance contract disputes, come on, the China Banking and Insurance Regulatory Commission is the battlefield for insurance brokers, and insurance brokers will become famous in the process of dispute resolution. From refusal to full claims, from financing compensation to full payment, the outstanding achievements of insurance brokers in recent years can be found on the Internet, and I will not list them in detail here.
Do you prefer to be the person based on the interests of the policyholder as stated in Article 118 of the Insurance Law?
What kind of thing can you be a qualified insurance broker
Being an insurance broker requires you to be interested in learning insurance knowledge and researching insurance products, rather than being addicted to sales rhetoric and routines.
Being an insurance broker requires you to have the ambition to use insurance as a tool to save the world. You need to send a complete protection plan to each customer's family that can properly deal with risks, rather than letting customers buy the products you make the most money.
Being an insurance broker requires you to have the courage to face other people’s ridicule. Others can celebrate the sales of insurance policies, and for you, the sales of insurance policies are the beginning of service. The custody of family insurance policies, annual inspection of customer risk exposure, and claims assistance for each insurance policy are all obligations that an insurance broker should fulfill to clients.
When you see this, are you discouraged by insurance brokers? If so, please bless the insurance brokers, who are facing the future in this state.
When you see this, do you want insurance brokers? If so, please join us, you already have the potential to become a qualified insurance broker.
(The author of this article is a master's degree in science and engineering, and an insurance broker with qualifications for chemical engineering, construction, cost and consulting)
