Insurance intermediaries mainly refer to units or individuals that are between insurance institutions or between insurance institutions and policyholders and specialize in insurance-related business or service activities, and get commissions or handling fees from them according to law.
There are many forms of insurance intermediaries, among which insurance brokers and insurance agents are two common ones. Therefore, it is difficult for us to tell the difference between buying through an insurance intermediary and buying by an insurance company agent.
However, we can actually ask what is the difference between buying insurance through an insurance broker and an insurance agent.
Next, the senior will tell you the difference in detail:
1 offers different product lines.
Insurance brokerage companies can often provide products from multiple insurance companies for customers to choose from. Everyone is picky about the choice of insurance products.
However, insurance agents usually only represent their own products, and the product line is single.
2. Different positions
Insurance brokerage companies are relatively objective and neutral, because there are many products they can represent, so they can objectively analyze the advantages and disadvantages of each product and recommend appropriate insurance products according to the actual situation of consumers.
Insurance agencies/agents have a single product and generally only state the advantages of their own products.
You can also learn what kind of insurance consulting platform is more worth choosing through this article:
A good insurance consulting platform must meet three requirements, otherwise it will be difficult to settle claims!
3. Different value-added services
Because they represent different interests, the value-added services they bring may be different.
For example, Shi Sheng Chuangfu Insurance Brokerage Company provides peace of mind compensation service, which will help consumers collect information and apply for compensation from insurance companies when they are in danger.
However, insurance institutions/agents generally provide less related services.
If you want to know more about insurance claims, please take a look at this article:
What are the correct postures for quick and good insurance claims? No compensation!
Generally speaking, if you want to buy insurance, insurance brokers will have more obvious advantages than insurance agents.
About how to choose an insurance brokerage company, you can browse this article to understand:
How to choose a good insurance brokerage company?
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