Job description insurance agent

I. General provisions

1. An insurance agent belongs to the category of technical performers.

2. A person with secondary vocational education and special training in installed program without any work experience requirements.

3. Appointment to the position of an insurance agent and dismissal from it are made by order of the director of the enterprise.

4. The insurance agent must know:

4.1. Regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities.

4.2. Types of insurance services and conditions of various types of insurance.

4.3. Legal basis for the development of insurance activities, taking into account regional specific conditions.

4.4. The current system of social guarantees.

4.5. Methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused.

4.6. Basics market economy.

4.7. Fundamentals of psychology and labor organization.

4.8. The procedure for concluding and executing contracts for insurance services.

4.9. Domestic and Foreign experience organizing insurance for the population and business entities.

4.10. Fundamentals of labor legislation.

4.11. Labor protection rules and regulations.

5. The insurance agent reports directly
.

6. During the absence of the insurance agent (vacation, illness, etc.), his duties are performed by a person appointed in the prescribed manner. This person acquires the corresponding rights and is responsible for their proper execution.

II. Job responsibilities

Insurance agent:

1. Carry out operations for concluding property and personal insurance contracts.

2. Studies regional conditions and demand for certain insurance services.

3. Analyzes the composition of the regional contingent of potential clients, serves individuals representing institutions, organizations and enterprises of various forms of ownership.

4. Conducts reasoned conversations with potential and regular clients in order to interest them in concluding or renewing insurance contracts (life and health, movable and real estate, entrepreneurial and commercial activities, etc.). in the process of working with clients, conducts observations, evaluates the characteristics of perception, memory, attention, motivation of behavior and ensures mutual understanding when concluding contracts for insurance services.

5. Establishes the criteria and degree of risk when concluding contracts for insurance services, taking into account the state of health, age, gender, education, length of work, level of financial support and other subjective qualities characterizing the client.

6. Concludes and draws up insurance contracts, regulates the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums.

7. Ensures the correct calculation of insurance premiums, execution of insurance documents and their safety.

8. Contributes to the formation of interest and demand for the insurance services provided, taking into account the need to strengthen material and moral support for various segments of the population, as well as the increasing risk associated with competition, bankruptcy, unemployment and other socio-economic processes occurring in modern conditions.

9. Provides assistance to clients in obtaining comprehensive information about insurance conditions.

10. Carries out work to identify and record potential policyholders and insurance objects, provides an assessment of the cost of insurance objects.

11. During the validity period of concluded contracts, maintains contact with individuals and legal entities who have entered into contractual relations for insurance services.

12. In the event of damage to the insured, it assesses and determines its size, taking into account the criteria and degree of risk.

13. Considers complaints and claims received from clients regarding controversial issues calculation and payment of insurance premiums, payments insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract.

14. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them.

15. Explores undeveloped types of insurance services and prospects for their development in order to apply them in their practice and in the creation of insurance bodies and services.

16. Timely and in accordance with established requirements draws up the necessary documentation, keeps records and ensures the storage of documents related to the conclusion of insurance contracts.

17. Interacts with other insurance agents.

III. Rights

The insurance agent has the right:

1. Get acquainted with the draft decisions of the enterprise management concerning its activities.

2. Request personally or on behalf of the immediate supervisor from the heads of departments of the enterprise and specialists information and documents necessary to fulfill his official duties.

3. Submit proposals for improvement of work related to the responsibilities provided for in these instructions for consideration by management.

4. Within the limits of your competence, inform your immediate supervisor about all shortcomings identified in the course of your activities and make proposals for their elimination.

5. Demand that the management of the enterprise provide assistance in the performance of its official duties and rights.

IV. Responsibility

The insurance agent is responsible:

1. For improper execution or failure to fulfill their job duties as provided for in this job description - within the limits determined by the current labor legislation of the Russian Federation.

2. For offenses committed in the course of carrying out their activities - within the limits determined by the current administrative, criminal and civil legislation of the Russian Federation.

3. For causing material damage - within the limits determined by the current labor and civil legislation of the Russian Federation.

I have read this job description: Date. Signature.

Insurance agents– these are individuals or Russian legal entities (commercial organizations) permanently residing in the territory of the Russian Federation and operating on the basis of a civil contract, which represent the insurer in relations with the policyholder and act on behalf of the insurer and on his behalf in accordance with the powers granted (Part. 1 Article 8 of the Law “On the organization of insurance business in the Russian Federation”).

Insurance agents can act on the basis of a power of attorney, as employees of the insurer, or as attorneys under a contract of agency.

The rights and obligations arising from the actions performed by the insurance agent in accordance with the contract concluded by him with the insurance company are acquired by the principal insurance company.

Due to the specific nature of the activities carried out, the insurance company agent needs to know:

regulations governing the insurance business;

types of insurance services and conditions of various types of insurance;

fundamentals of a market economy; the procedure for concluding and executing contracts for insurance services;

the current system of social guarantees.

It is also important for him to have information about the legal basis for the development of insurance activities, taking into account regional specific conditions, domestic and foreign experience in organizing insurance for the population and business entities, etc.

When formalizing the relationship between the agent and the insurer, the latter must provide the insurance agent with certain powers, in accordance with which the agent will be able to perform the duties assigned to him. The range of such powers is very diverse. So, The responsibilities of an insurance agent include:

1) carrying out operations to conclude property and personal insurance contracts;

2) study of regional conditions and demand for certain insurance services;

3) analysis of the composition of the regional contingent of potential clients, servicing individuals representing institutions, organizations and enterprises of various forms of ownership;

4) establishing the criterion and degree of risk when concluding insurance contracts, taking into account the state of health, age, gender, education, length of work, level of financial support and other subjective qualities characterizing the client;

5) conducting reasoned conversations with potential and regular clients;

6) conclusion and execution of insurance contracts, regulation of relations between the policyholder and the insurer, ensuring their implementation, etc.

1. The concept and main directions of state regulation of insurance activities.

GRSD– activities of state authorized bodies aimed at creating conditions for the effective functioning of the insurance market and compliance by insurance entities with insurance legislation.

GRSD directions:

Regulatory support of insurance activities

Direct participation of the state in the functioning insurance market(establishment of insurance funds - Social Insurance Fund, Pension Fund - and participation in the Charter)

Suppression of monopolistic activities and unfair competition in the insurance market

State supervision of insurance activities.

Job description of an insurance agent

I APPROVED
CEO
Last name I.O.________________
"________"_____________ ____ G.

1. General Provisions

1.1. An insurance agent belongs to the category of technical performers.
1.2. An insurance agent is appointed and dismissed by order of the head of the company.
1.3. The insurance agent reports directly to the head of the structural unit.
1.4. During the absence of the insurance agent, his rights and obligations are performed by a person appointed in the prescribed manner.
1.5. A person with secondary vocational education and special training according to an established program is appointed to the position of an insurance agent without presenting requirements for work experience.
1.6. The insurance agent must know:
— regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities;
— types of insurance services and conditions of various types of insurance;
— legal framework for the development of insurance activities, taking into account regional specific conditions;
— current system social guarantees;
— methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused;
— fundamentals of a market economy;
— fundamentals of psychology and labor organization;
— the procedure for concluding and executing contracts for insurance services;
— domestic and foreign experience in organizing insurance for the population and business entities;
— basics of labor legislation;
— rules and regulations of labor protection.
1.7. The insurance agent is guided in its activities by:
— legislative acts RF;
— The company’s charter, internal labor regulations, and other regulations of the company;
— orders and instructions from management;
- this job description.

2. Job responsibilities of an insurance agent

The insurance agent performs the following job responsibilities:

2.1. Carries out operations for concluding property and personal insurance contracts.
2.2. Studies regional conditions and demand for certain insurance services.
2.3. Analyzes the composition of the regional contingent of potential clients, serves individuals representing institutions, organizations and enterprises of various forms of ownership.
2.4. Conducts reasoned conversations with potential and regular clients in order to interest them in concluding or renewing insurance contracts (life and health, movable and immovable property, business and commercial activities, etc.). In the process of working with clients, she conducts observations, evaluates the characteristics of perception, memory, attention, motivation of behavior and ensures mutual understanding when concluding contracts for insurance services.
2.5. Establishes the criteria and degree of risk when concluding contracts for insurance services, taking into account the state of health, age, gender, education, length of work, level of financial support and other subjective qualities characterizing the client.
2.6. Concludes and draws up insurance contracts, regulates the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums.
2.7. Ensures the correct calculation of insurance premiums, execution of insurance documents and their safety.
2.8. Contributes to the formation of interest and demand for the insurance services provided, taking into account the need to strengthen material and moral support for various segments of the population, as well as the increasing risk associated with competition, bankruptcy, unemployment and other events occurring in modern conditions socio-economic processes.
2.9. Provides assistance to clients in obtaining comprehensive information about insurance conditions.
2.10. Carries out work to identify and record potential policyholders and insurance objects, provides an assessment of the cost of insurance objects.
2.11. During the validity period of the concluded contracts, maintains contact with individuals and legal entities who have entered into contractual relations for insurance services.
2.12. In the event of damage to the insured, it makes an assessment and determines its size, taking into account the criteria and degree of risk.
2.13. Considers complaints and claims received from clients on controversial issues of calculation and payment of insurance premiums, payment of insurance compensation upon occurrence insured event in accordance with the terms of the agreement.
2.14. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them.
2.15. Explores undeveloped types of insurance services and prospects for their development in order to apply them in their practice and in the creation of insurance bodies and services.
2.16. Timely and in accordance with established requirements, prepares the necessary documentation, keeps records and ensures the storage of documents related to the conclusion of insurance contracts.
2.17. Interacts with other insurance agents.

3. Rights of the insurance agent

The insurance agent has the right:

3.1. Get acquainted with draft decisions of the enterprise management concerning its activities.
3.2. Request personally or on behalf of the immediate supervisor from heads of departments of the enterprise and specialists information and documents necessary to perform his job duties.
3.3. Submit proposals for improvement of work related to the responsibilities provided for in these instructions for consideration by management.
3.4. Within your competence, inform your immediate supervisor about all shortcomings identified in the course of your activities and make proposals for their elimination.
3.5. Demand that the management of the enterprise provide assistance in the performance of its official duties and rights.

The profession of an insurance agent is very prestigious in large cities.

An agent is a person who acts on behalf of a particular company and enters into insurance contracts.

Now you can find a huge number of vacancies with a fairly decent wages. Is being an insurance agent really such a prestigious profession?

Insurance agent- connecting link large company and people who want to make their lives safer. The insurance agent is obliged to find out the client’s wishes, tell him about possible insurance conditions, current tariffs and compensation payments.

After these steps, an insurance contract is concluded on the most favorable terms for the client.

This profession has certain requirements for candidates. Fits sociable and goal-oriented people. Anyone who has reached the age of majority can become an insurance agent.

Responsibilities of insurance agents

1. Search for clients. Insurance agent on one's own is looking for clients who will use its services. It is very difficult to develop a base at first and will require a lot of effort. Directly depends on the number of clients salary amount.
2. Conclusion of contracts. An insurance agent must be able to conclude contracts for each type of insurance. This specialist also renegotiates contracts. Carries financial liability.
3. Damage assessment. Often companies assign positions to special employees who assess material damage. However, every insurance agent must be able to do this on their own.
4. Accounting and security of documents. The insurance agent is fully responsible for storage of insurance policies and contributions.
5. Advertising of services. Insurance agents must make active advertising of its services to the population. Attracting new clients is a prerequisite for working as an insurance agent.

The main and main task of an insurance agent is Attraction of new clients.

Processing insurance policies and premiums is an agent’s daily job. Finding new clients largely depends on professionalism specialist

In order to develop a certain client base, you need to have skills that every insurance agent should have. An insurance agent has responsibilities that are fairly simple to perform, but not everyone can do it.

Qualities that an insurance agent should have

Stress resistance

This skill can be called key, since this profession often involves conflict situations. If you are an impulsive and nervous person, you will make a terrible insurance agent.

The task of an insurance agent is to attract as many people as possible to any type of insurance.

It's simple - the customer is always right. Even if he yelled at you when you came to take out an insurance policy or gave you unflattering words, he is right, and you should come later.

It is worth understanding that you need to value every client and the last boor should be an interesting and good-natured person for you.

Sociability

The ability to find answers to all questions and find common themes with people will be useful everywhere. For an insurance agent, this is a necessary quality. The insurance agent is obliged not just to clearly tell the list of services, but to be able to interest the person.

Why insure a refrigerator or food processor? You must explain that manufacturers have stopped monitoring the quality of the product, and you will help correct the situation - even if something breaks, the person will be able to buy a new device without loss. Or remind us of thieves who will not disdain even a refrigerator.

Hard work

You won’t be able to sit and do nothing with such a profession. Every minute you have to think about where to find new clients. And after smart thoughts come to you, go ahead and implement your ideas. Insurance agent - quite active work, which will not allow you to sit still. Irregular working hours involve providing insurance services both during the day and in the evening.

Resourcefulness

Insurance agents who sit at points and issue comprehensive insurance know that the worst thing about professional activity- make rounds in the private sector.

Every insurance agent who visited the houses of “nervous and embittered” people at least a couple of times doubted that he had chosen the right education. Not every insurance agent will be hired to work at a certain “point”, and even if they are hired, this does not mean that there will be an influx of clients.

So why is working in the private sector so scary? Just imagine, you had a fight with your husband, the dinner burned and the child broke a vase, and then an insurance agent came: “Come on, I’ll insure you for all occasions.”

Usually in this case the agent is asked to leave and refuses services, but there are other options - tell him everything you think about such “beggars”, swear, etc.

The second and most terrible thing that can meet you during the “detour” are dogs, of which there are a lot in private sectors. And don’t try to do anything to them - maybe they’ve already been insured! Any harm caused to these “harmless” animals, even if they try to bite you, will result in a fine.

Good memory

An insurance agent is required to remember all types of insurance and offer them to his clients. In addition, it is worth remembering the characteristics of certain people. If a person does not have a car, it makes no sense to offer him comprehensive insurance.

Presentable appearance

Regardless of gender, an insurance agent must inspire confidence. To do this, you will need to devote a lot of time to your appearance and be neat and well-groomed.

History of the profession and the main difference between an agent and a broker

The profession appeared in ancient times. At first, the practice of non-commercial property insurance was relevant. Subsequently, insurance acquired a commercial orientation and appeared in its modern form.

In the process of formation of this industry, many institutions began to appear that provide insurance services. Now you can see insurance institutions of both public and private types.

Insurance agent working per company. Clients can sign up for an insurance contract only on the terms and conditions provided by a particular insurance company.

If a person likes the insurance conditions of several companies at once, it is better to contact insurance broker.

An insurance broker, unlike an agent, can work immediately with several companies. He knows the range of all insurance services and accompanies the client during the validity of the policy.

Unlike an insurance agent, a broker offers the most profitable terms insurance in different offices. Practice shows that brokers better informed about the features of the insurance market than agents.

How to become an insurance agent

Anyone who wants to work can become an insurance agent. For this it is enough to have secondary education.

Very many Insurance companies conduct self-training for employees. A person of any age can achieve success in this profession, the main thing is focus and desire to work.

Some vocational schools provide training to become insurance agents. You can also take special courses.

If you don’t have time to study theory, you can safely contact an employer who will provide you with quality training in practice.

An insurance agent is a profession that provides career growth and high wages. It all depends on the person and his desire to work.

Insurance agent salary

An insurance agent's salary depends entirely on his hard work and activity. On average, an insurance agent has 10-20% of transactions.

Actively working newcomers have at least 18 thousand rubles. per month. Insurance agents with extensive experience up to 50 thousand rubles. Some insurance agents with a very large client base have an income of 200 thousand rubles.

When starting to work as an insurance agent, you need to keep in mind that at first there will be very difficult to find clients. And this will definitely affect your salary.

Clients are money and they will not go into your hands. If you sit still, you won’t even earn a ruble.

It’s also worth understanding that not all people want insurance. You will have to put in a lot of effort and spend a lot of nerves to get your first salary. But over time, it will be easier to find new clients, and wage will increase.

The profession of an insurance agent, like any other, has its advantages and disadvantages. This specialty will allow you to quickly improve your financial situation and move up the career ladder, but not everyone can achieve such success. If you don't know how to work with people, no other professional skills will help you find clients.

I CONFIRM:

[Job title]

_______________________________

_______________________________

[Name of company]

_______________________________

_______________________/[FULL NAME.]/

"_____" _______________ 20___

JOB DESCRIPTION

Insurance agent

1. General Provisions

1.1. This job description defines and regulates the powers, functional and job responsibilities, rights and responsibilities of an insurance agent [Name of organization in the genitive case] (hereinafter referred to as the Company).

1.2. An insurance agent is appointed and dismissed in accordance with the procedure established by current labor legislation by order of the head of the Company.

1.3. An insurance agent belongs to the category of technical performers and reports directly to [name of the position of the immediate supervisor in the dative case] of the Company.

1.4. A person with secondary vocational education and special training according to an established program is appointed to the position of insurance agent without presenting requirements for work experience.

1.5. The insurance agent must know:

• regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities;
• types of insurance services and conditions of various types of insurance;
• legal basis for the development of insurance activities, taking into account regional specific conditions;
• the current system of social guarantees;
• methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused;
• fundamentals of a market economy;
• fundamentals of psychology and labor organization;
• the procedure for concluding and executing contracts for insurance services;
• domestic and foreign experience in organizing insurance for the population and business entities;
• basics of labor legislation;
• rules and regulations of labor protection.

1.6. The purchasing agent is responsible for:

• effective performance of the work assigned to him;
• compliance with the requirements of performance, labor and technological discipline;
• the safety of documents (information) in his custody (that have become known to him) containing (constituting) the Company’s trade secret.

1.7. The supply agent in his activities is guided by:

• local acts and organizational and administrative documents of the Company;
• internal labor regulations;
• rules of labor protection and safety, ensuring industrial sanitation and fire protection;
• instructions, orders, decisions and instructions from the immediate supervisor;
• this job description.

1.8. During the period of temporary absence of the insurance agent, his duties are assigned to [name of the deputy position].

2. Job responsibilities

An insurance agent performs the following labor functions:

2.1. Carries out operations for concluding property and personal insurance contracts.

2.2. Studies regional conditions and demand for certain insurance services.

2.3. Analyzes the composition of the regional contingent of potential clients, serves individuals and legal entities representing institutions, organizations and enterprises of various forms of ownership.

2.4. Conducts reasoned conversations with potential and regular clients in order to interest them in concluding or renewing insurance contracts (life and health, movable and immovable property, business and commercial activities).

2.5. In the process of working with clients, she conducts observations, evaluates the characteristics of perception, memory, attention, motivation of behavior and ensures mutual understanding when concluding contracts for insurance services.

2.6. Establishes the criteria and degree of risk when concluding contracts for insurance services, taking into account the state of health, age, gender, education, length of work, level of financial support and other subjective qualities characterizing the client.

2.7. Concludes and draws up insurance contracts, regulates the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums.

2.8. Ensures the correct calculation of insurance premiums, execution of insurance documents and their safety.

2.9. Contributes to the formation of interest and demand for the insurance services provided, taking into account the need to strengthen material and moral support for various segments of the population, as well as the increasing risk associated with competition, bankruptcy, unemployment and other socio-economic processes occurring in modern conditions.

2.10. Provides assistance to clients in obtaining comprehensive information about insurance conditions.

2.11. Carries out work to identify and record potential policyholders and insurance objects, provides an assessment of the cost of insurance objects.

2.12. During the validity period of the concluded contracts, maintains contact with individuals and legal entities who have entered into contractual relations for insurance services.

2.13. In the event of damage to the insured, it makes an assessment and determines its size, taking into account the criteria and degree of risk.

2.14. Considers complaints and claims received from clients on controversial issues of calculation and payment of insurance premiums, payment of insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract.

2.15. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them.

2.16. Explores undeveloped types of insurance services and prospects for their development in order to apply them in their practice and in the creation of insurance bodies and services.

2.17. Timely and in accordance with established requirements, prepares the necessary documentation, keeps records and ensures the storage of documents related to the conclusion of insurance contracts.

2.18. Interacts with other insurance agents.

In case of official necessity, the insurance agent may be involved in the performance of his official duties overtime, in the manner prescribed by the provisions federal legislation about work.

3. Rights

The insurance agent has the right:

3.1. Request and receive the necessary materials and documents related to the activities of the insurance agent.

3.2. Enter into relationships with departments of third-party institutions and organizations to resolve operational issues of production activities within the competence of the insurance agent.

3.3. Represent the interests of the Company in third party organizations on issues related to his professional activities.

4. Responsibility and performance evaluation

4.1. The insurance agent bears administrative, disciplinary and material (and in some cases provided for by the legislation of the Russian Federation, criminal) liability for:

4.1.1. Failure to carry out or improperly carry out official instructions from the immediate supervisor.

4.1.2. Failure to perform or improper performance of one's job functions and assigned tasks.

4.1.3. Illegal use of granted official powers, as well as their use for personal purposes.

4.1.4. Inaccurate information about the status of the work assigned to him.

4.1.5. Failure to take measures to suppress identified violations of safety regulations, fire safety and other rules that pose a threat to the activities of the enterprise and its employees.

4.1.6. Failure to ensure compliance with labor discipline.

4.2. The insurance agent's performance is assessed by:

4.2.1. By the immediate supervisor - regularly, in the course of the employee’s daily performance of his labor functions.

4.2.2. By the certification commission of the enterprise - periodically, but at least once every two years, based on documented results of work for the evaluation period.

4.3. The main criterion for assessing the work of an insurance agent is the quality, completeness and timeliness of his performance of the tasks provided for in these instructions.

5. Working conditions

5.1. The work schedule of an insurance agent is determined in accordance with the internal labor regulations established by the Company.

5.2. Due to production needs, the insurance agent is required to travel to business trips(including local significance).

6. Signature right

6.1. To ensure his activities, the insurance agent is given the right to sign organizational and administrative documents on issues within his competence by this job description.

I have read the instructions on ___________/___________/ “____” _______ 20__.