Category: Insurance tips Release Date: 2006-08-01
Insurance consultant insurance market mechanism as an important part, as the insurance industry has developed into a variety of different types of expertise may generally be divided into: the original insurance brokers (the narrow sense of insurance consultant) and re-insurance consultant.
The former insurance consultant
The original insurance consultant is directly between the insured and the intermediary between primary insurers, direct a client to accept insurance. According to the different nature of the business, the original can be divided into non-life insurance consultant insurance consultant and life insurance consultant.
1, non-life insurance consultants
Non-life insurance consultant is to introduce all kinds of property, liability, insurance and other benefits in the insurance contract was scheduled to mediate between the contracting parties to facilitate the establishment of insurance contracts and to charge fees for this special intermediaries, non-life insurance consultants need to subject the nature of the type, risk status and the requirements of the insured, the financial balance of the arrangements for the insured insurance plans and the provision of risk management recommendations, and provide related advice in the Chuxian. Because the non-life insurance is included within the space is extensive and complicated, which requires non-life insurance consultant must not only have the relevant insurance, activities, finance, finance knowledge, but also must understand that the insurance details of the subject itself is familiar with the insurance market conditions, so as to in arrangements for insurance plans to consider a comprehensive, Chuxian claims to fully safeguard the interests of the insured.
2, life insurance consultants
Life insurance consultant refers to the personal insurance market, on behalf of policyholders choose the insurance Jin, agent insurance procedures and for this purpose to collect a commission from the insurers, intermediaries. As a professional life insurance, life insurance consultants must master certain amount of life insurance actuarial knowledge of all kinds of payment system integrated and quantified, and correctly calculate the real rate of life insurance, then the insurance companies to compare the price right, and then combination of the company's reputation, service quality and protection needs of policyholders made the most reasonable insurance proposal; In addition, life insurance has a long-term, if the insured needs to increase or decrease the insurance amount of the insurance period, the transfer of insurance policies, to restore the policy failure , insurance, the insured should be helped to analyze the time of surrender or change the policy cash value policy, surrender payments and regain the cost of the necessary protection and strive to help the insured at the lowest cost, best protection.
Reinsurance Consultants
Re-insurance consultant is to facilitate reinsurance ceding company and the sub into the company to establish the relationship between reinsurance intermediary, they ceded the company as their customers, for the separation of more favorable conditions for companies to compete for selection under the premise of Fun into the company and received by the sub - into the company to pay commissions, while providing, including the collection of reinsurance premiums, and will pay back compensation and benefit sharing, etc., the exchange of business services, as re-insurance consultant, must be familiar with the insurance market, with many of the insured, the insurance and reinsurance who maintained regular contact a wide range, but must also possess a wealth of professional knowledge and practical experience, with considerable technical advisory capacity, so as to separate the company to obtain favorable terms. As the reinsurance business has a strong international character, so make full use of re-insurance consultant is very important, especially the huge insurance, reinsurance especially. In fact, many large re-insurance are facilitated through the re-insurance consultant, insurance business in the Western developed countries, has a special advantageous position of the re-insurance consultant under favorable conditions be able to own a huge insurance policyholders has put forward many attractive insurance and re-insurance programs, thus bringing the financial strength of many small scale with limited insurance of people organize themselves to set up re-insurance group to bid for a huge insurance.
