How to makeorphan policy not alone Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Your insurance agent to contact you and how long did it? There do not realize that your agent may have left your home insurance policy may have become an "orphan policies"? End of the year, yet if you run into an agent of job-hopping thing, you know how he himself should do?

It has been said that apart from buying insurance to protect, that is, to buy services. While no one wants an agent to visit every few days to come, but if not contact the agent, and can be real trouble, or pieces of things. Occasionally, you want to change their addresses or telephone information, or need claims service, could have been helped by the salesman to do, and that salesman will always remind you pay on time so as to avoid policy failure, but the fruit because of the original departure, and other agents kinds of reasons, from, and can no longer provide you with services, in the hands of no one care policy has become "orphans", the event something happened to you enough to worry about.

Therefore, the occasion of New Year's eve, in addition to inspection and inventory of what home insurance policies to see whether or not to do to protect the capacity of the adjustment, do not forget to contact your agent about (if they do not take the initiative to contact your words), to see whether there are changes in his side. If you run into an agent to leave the original services, insurance companies, you have to first understand what the company's approach to such situations.

To this end, reporter recently interviewed and consulted with China Life Insurance, Pacific Life, Pacific Antai Life Insurance, the new Chinese, Taikang Life and Manulife in the number of insurance companies and other customer service department heads.

Customers generally can not assign a new agent
Learning of their own after the original agents should not people may encounter a similar situation, that is, the insurance company may also meet other familiar agents. Relatives and friends to do insurance business in the original, while she herself had been insured, but did not continue in the company insurance plan, did not catch up to them to "pick" business. Now has his own agents to leave, is not the old list can be transferred to an acquaintance of the same company do? After the service was not up like an agent to be more than strange little easier? This is the number of insured idea.

Through the reporters learned that the old policy after the original agents, only the macro and the Pacific Antai two insurance companies who can accept the new insurance agent designation. Macro think we should try to meet the reasonable demands of customers, so the client specified a number of routine audits of new agents OK, if there is no problem, it will confirm this follow-up service relationship.

In order to prevent former agents, customers and new agents have some bad tacit understanding between the Pacific Antai is not accepted by customers once the new designated representative. Now, however, the company could accept a new customer service personnel specified. "It's just, at the customer directly to the case of designation of new agents, new agents can not get all the follow-up commission, but for pure insurance services." Pacific-Aetna customer service departments explained.

But in general, the majority of insurers currently do not accept that proposed by the customer against the other individual designated by a special agent. Primarily so as to prevent the former agents and clients, or customers, and new agents, some of interests between the subjective and involved.

Customer service feedback system will be
Can not accept new clients in the specially designated agent, the insurance company is how to operate within it?

"First of all, once the salesman left the company, and our customer service system, information will pop up all the policies the agent service groups of information, our company will be aware of these policies we need to relay to other agents to carry out of service." Macro Insurance Customer Service Department is responsible for "policy relay" project Mr. Gu Kewei told reporters.

The interview and other insurance companies have said they also have similar systems, or feedback, or will from time to time to clean up the situation of policy services, and to conduct further follow-up services.

Part of the system using a specialized team responsible for
Confirmed through the System Information "orphan policies" of existence, each company will have a special service processes to deal with these policies, including Pacific-Aetna, Taikang Life and Xinhua Life Insurance, are prepared from the back office system, a special team and staff for the "orphan policies" follow-up services to customers.

Pacific-Antai, "the abrogation of Solitary System" is one called "caring mother" dedicated service team, these "caring mother" did not engage in insurance business to expand, just and "child policy" customers to contact to collect premiums , claims and other services.

Taikang Life agents were selected from the outstanding group of "renewal of toll collectors," according to "orphan policies" of the area by the corporation at the same arrangements, be allocated to the different charging a member of staff from these fees are charged for follow-up for customers to change data and claims services, and so on. In-service basis, these workers can also work on expanding services at the same time.

Xinhua Life Insurance is also equipped with a special "renewal of attendants" in the former agent was informed that following the departure of the original policy servicing rights assigned to different regions of the "renewal of attendants," the hands of delivery to customers, "salesman change notices." And the general agent is different is that these services are staffed by the same management back-office departments.

The universal implementation of regional salesman
In addition to a dedicated team responsible for the system, most insurers use the "Where to, where to go" approach, the implementation of an agent after the original follow-up services brought about by the policy transition.

"Leave a salesman working in China, less than 18 months of life, and they had served directly by the insurance business where he was director of regional operations. Departure salesman has been more than 18 months, and he is responsible for the policies the company by region division is responsible for security personnel assigned to the specific. "State Life Insurance Shanghai Branch Customer Service Department official told reporters.

Pacific Life Shanghai Branch Office Director Li Li also informed, said: "We have a range of services dedicated or closed. If the business staff to quit, Yao will be divided by region, through the agent with new service and continue to show the industry. May also be fees and charges through the customer service team reminders insurance policy for claims services. "

Manulife in feedback in the system after three working days, these need to "relay" of the policy to the highest field region of the former business director, who shall specify the allocation of new business, and the new agent's information Back to corporate headquarters. In order to ensure follow-up service quality, the company will have a new agent in accordance with certain conditions and requirements of that audit, review after the passage of customer information will be transferred to the new agent, and notify the customer to replace an agent of information. Change agent for the service after the situation in Acer Inc. to track contacts, and require new agents to "Customer Service Report" return to the company, after preliminary investigations, confirm, and communicate with their customer service, confirm that the new agent service normal, and this new agent will be officially recognized, to carry out the policy of "relay" work.

Customers themselves have to take the initiative to "attack"
Operations staff to address the follow-up after-service issues arise, although insurance companies have special internal processes and requirements, but can not be excluded that, due to kinds of reasons, there will still be in the follow-up clients have "missed."

In this regard, or return to the beginning of the article mentioned, the Chinese New Year, or to the policy anniversary, the insured must prepare themselves on the family policy of the inventory and inspection, if not contact the salesman, it should be timely and to contact the insurance company to seek insurance companies for help. Avoid the clerk of a sudden "evaporation" at the expense or delay their own insurance benefits. Each company's service hotline telephone and switchboard telephone Annex.

In addition, insurers are generally each will send the payment notice, a single change of address until the insured's home, the insured should pay attention to check. At the same time, the customer because of the relocation, job changes and other reasons cited basic personal information on moving, you should promptly notify the insurance company. Through the hotline to make changes, you can also let an agent handle, or apply himself to the safe side.

However, if the content in relation to the policy change, or the insured ages, occupational risk factors, which may cause insurance rates and insurance interests of the movement, then the person must carry insurance, identity cards and copies of other supporting documents to the insurance company Customer service counters, fill in the application form to change handling procedures. Entrust others to handle, and also need to delegate to provide similar procedures.