Question 2: What does an insurance company intermediary do? In fact, insurance agents help insurance companies do business.
Question 3: What is the intermediary business of an insurance company? In short, the insurance company entrusts a company qualified to sell insurance products to sell its insurance products. These companies can be banks, postal services, 4S shops, auto repair shops and so on. , obtained the agency qualification in China CIRC, or an agency company or brokerage company established in accordance with the provisions of China CIRC. They mainly rely on obtaining agency fees from insurance companies or selling insurance products to achieve income and profits. He is one of the important channels for insurance companies to sell insurance products.
Question 4: What is the relationship between insurance intermediaries and insurance companies? An insurance intermediary can represent the products of several insurance companies. If you want to buy insurance, you can also entrust an insurance agent to help you choose a cheaper insurance product in different insurance companies. Insurance companies have their own fixed insurance products. They can only sell their own products and cannot act as agents for other companies' products.
Question 5: The role of insurance intermediaries The role of insurance intermediaries in the insurance market is determined by their functions in professional technical services, insurance information communication and risk management consulting. The role of professional technical services can be divided into three levels: because of the conflict of interests between the insurance parties in the whole process, differences of opinion are inevitable. Due to the intervention of insurance intermediary companies, fair and authoritative information can be provided for the reference of insurance parties or courts, which is conducive to the resolution and elimination of contradictions. The function of insurance information communication refers to the establishment of an insurance intermediary system in the insurance market with asymmetric information, which provides information services for both parties to the insurance contract by using its professional advantages. It is the best choice to strengthen information communication between the two parties to the insurance contract, coordinate the relationship between the two parties to the insurance contract and promote the healthy development of the insurance economic relationship. Risk management consulting function refers to the insurance intermediary company providing risk management consulting services such as risk assessment, disaster prevention and loss prevention for the public by virtue of its professional technology and expert network advantages. This special technical advantage makes insurance intermediary companies in an irreplaceable position in the insurance market.
Question 6: What does an insurance intermediary include? Is the insurance claimant an insurance intermediary? The insurance agent is only responsible for helping you analyze and purchase the insurance that suits you. Not responsible for the claim.
Question 7: What is the meaning of insurance broker in insurance? Insurance broker. Article 123 of China's Insurance Law stipulates that an insurance broker is an entity that provides intermediary services for the insured to conclude an insurance contract with the insurer based on the interests of the insured and collects commissions according to law.
Question 8: What are the characteristics of insurance intermediaries? As long as the insurance company authorizes them, they can promote their insurance. There are many products, but they are not necessarily good. What kind of insurance do you want to buy?
Question 9: What is the difference between buying insurance through an insurance intermediary and an insurance company agent?
1, the order of insurance is generally: accidental medical treatment, education for serious illness, and pension (investment and financial management).
2. Annual premium expenditure 10- 20% of annual income.
3, not necessarily a one-time purchase, accident insurance can be bought by the whole family, and the rest depends on the economic conditions, first buy it for the family, and then gradually improve it.
Precautions:
(1) Buy medical health first and then insurance. Health can ensure that customers have everything.
(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a medium-and long-term contract. If you buy it, it will become a lifelong happiness, otherwise it will have a great impact.
(3) Insurance products need to have the function of maintaining and increasing value. With the improvement of living standards, inflation must be curbed.
(4) to buy insurance, we must first protect the head of the family. If the main wealth creator in the family is not guaranteed, what is the premium? Living expenses? Family expenses are not guaranteed.
Question 10: Is there an advantage in buying insurance in an intermediary? A new and convenient insurance purchase method.
It is understood that insurance intermediaries are in the primary stage of development in China. Although there is a general lack of capital and weak strength, compared with other sales channels, insurance intermediaries have the unique advantage of tailoring the product portfolio of different insurance companies for the public. For citizens, it is a new and convenient way to buy insurance.
Under the traditional insurance purchase mode, citizens need to spend time comparing the products of many companies before buying an insurance, and they are often overwhelmed by complicated insurance clauses and numerous claims restrictions. Due to the lack of professional knowledge, it is difficult for the public to make the best choice. Insurance intermediaries can provide professional consulting and analysis services and become the staff and assistants for consumers to choose suitable insurance products.
For example, citizens buy insurance through intermediaries, just like buying electrical appliances in Suning and Gome. They not only choose a variety, but also have the obligation and responsibility to fight for the rights and interests of customers because insurance intermediaries represent the interests of customers, and urge insurance companies to improve service efficiency by virtue of their independent legal person status.
According to the different needs of the public, intermediaries can tailor the product portfolio of different insurance companies for the public from a neutral perspective, design and plan the most suitable insurance plan, and provide one-stop package services. These are the advantages of insurance intermediaries.
● A comprehensive insurance scheme can be customized.
At present, about 65,438+00 insurance companies in Guangdong insurance market sell their products through insurance intermediary channels, and the sales scope of insurance intermediary products has covered health insurance, endowment insurance, universal insurance, investment-linked insurance, accident insurance and property insurance. For example, the individual insurance business of Sino-British Life Insurance, Sino-German Allianz, Pacific Life Insurance, Sino-Life Insurance, Great Wall Insurance, Haikang Insurance, Happiness Life Insurance, Taikang Life Insurance and Pacific Antai Insurance, and the group insurance business of China Insurance Health can all purchase the above products through agents.
The advantages of buying insurance through insurance intermediary companies are obvious. For most insurance companies, at present, property insurance products and life insurance products are sold separately, and they can only sell their own products; However, insurance institutions can break through this boundary, package different products from different insurance companies, and tailor a comprehensive insurance plan for policyholders.
Compared with the traditional marketing methods of insurance companies, the intermediary model is like a supermarket of insurance products, which can introduce and analyze the advantages and disadvantages of various insurance products for consumers, and tailor an optimal product combination scheme from different companies according to the actual needs of customers, such as combining the products of three insurance companies, A, B and C, to maximize the coverage under the condition of basically the same premium expenditure.
● Easy insurance and intimate agency service.
Simple insurance is another convenient place for insurance intermediaries. Insurance intermediaries aggregate the products of many insurance companies, and through the strong combination of products, they can provide comprehensive and complete insurance protection to a certain extent. Therefore, there is no need for citizens to be confused in front of many insurance agents because they have insured the products of many insurance companies. On the contrary, only one agent is needed, and the agent can provide one-stop service, give a suitable insurance product portfolio and solve the family security problem. In the future, no matter which product is adjusted, renewed or settled, you only need to find the same person.
For citizens who have bought insurance products from insurance companies before, it is not a loss to buy new products from insurance intermediaries, and there are many, because insurance intermediaries can provide agency services for citizens.
For example, citizens who have purchased cancer insurance, accident insurance and hospitalization insurance from three companies can sign agency agreements with insurance intermediaries. In one of the three cases, insurance intermediaries can negotiate with insurance companies on behalf of customers, and use their institutional identity and professional knowledge to strive for greater interests for customers.
Similarly, in order to avoid disputes arising from direct negotiations with customers who lack professional knowledge, insurance companies are also willing to deal with insurance intermediaries, or directly sign agency agreements with insurance intermediaries, and entrust intermediaries to handle underwriting and claim settlement matters for them. Insurance intermediary acts as a' lubricant' between insurance companies and consumers, which makes them more harmonious and understand each other.
● Customized products are worth seeing.
With the promotion of sales experience and the enrichment of customer resources, insurance intermediary companies are no longer satisfied with merely acting as agents for the products of other insurance companies. Instead, we are innovative and ingenious, designing new products by ourselves according to the previous data, and then submitting them to ... >>