The difference between insurance brokerage company (intermediary) and insurance company

Although insurance brokers (intermediaries) and insurance companies are economic entities in the insurance market, insurance companies are insurers in the insurance market, responsible for designing and selling insurance products, issuing insurance policies, collecting premiums, and assuming the liability for compensation of insurance benefits. Insurance brokerage company is an intermediary in the insurance market, which is responsible for providing customers with full-process services such as risk assessment, risk management, insurance arrangement, insurance claims and recovery, and is the business link between customers and insurance companies.

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1. Business license

According to the regulations of China Banking Regulatory Commission, third-party platforms or insurance brokerage companies can only carry out insurance-related business according to law if they have obtained relevant licenses issued by China Banking Regulatory Commission, and they should be filed in strict accordance with national requirements.

If you want to check whether you have a business license, you can search the name of the relevant company in the information disclosure column of official website, insurance association of china, and you can check the authenticity.

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How to choose a good insurance brokerage company?

2. Level of programme experts

Excellent scheme experts can configure the most perfect, reasonable and cost-effective insurance scheme for everyone according to the real situation and protection needs of the insured, so that consumers can buy the greatest protection with the most suitable funds.

3. Production line

Only when the insurance brokerage company has a rich product line will it have a flexible insurance allocation. If an insurance brokerage company does not have a rich product line, it is difficult to configure the most reasonable insurance scheme no matter how high-level scheme experts maximize their effectiveness.

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