Insurance agent- a specialist who searches for clients and concludes insurance contracts with them. Working as an insurance agent requires not only knowledge in the field of insurance, but also human psychology. We have provided all this in the appropriate section. insurance agent job description.

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 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;
- basics of psychology and work 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;
- labor protection rules and regulations.
1.7. The insurance agent is guided in its activities by:
- legislative acts of the Russian Federation;
- 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

An insurance agent performs the following duties:

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 socio-economic processes occurring in modern conditions.
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 the occurrence of an insured event in accordance with the terms of the contract.
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 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.
3.5. Demand that the management of the enterprise provide assistance in the performance of its official duties and rights.

4. Liability of the insurance agent

The insurance agent is responsible for:

4.1. Improper performance or failure to fulfill one’s job duties as provided for in this job description - within the limits determined by the current labor legislation of the Russian Federation.
4.2. 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.
4.3. Causing material damage - within the limits determined by the current labor and civil legislation of the Russian Federation.

Now the profession of an insurance agent is in demand in large populated areas. An agent is a specialist acting on behalf of a particular company who...

On job search sites you can see a large number of advertisements for these specialists. At the same time, their wages are quite high. What kind of profession is this?

General information about the document

Essence and purpose

An insurance agent is the link between large organizations () and people who intend to make their lives safer. The responsibilities of this specialist include finding out the desires of a potential client, as well as providing him with information regarding existing insurance conditions (these are the company’s current tariffs and proposed compensation payments).

After the parties have reached a general agreement, an insurance contract is concluded between them.

This profession imposes a number of conditions on its candidates:

• Stress resistance. This is a very important ability, since due to the specifics of this profession, frequent disputes are common. The basic rule of an insurance agent is that the client is always right. You should either come to terms with this or not go to these specialists;
• Communication skills. This skill is also very important. So, the ability to clearly explain the terms of insurance will determine whether a person signs the contract or not;
• Hard work. This profession involves a constant search for new clients. This means that you will need to constantly be on the move and lead an active lifestyle. If this does not suit you, then it is better to find another profession;
• Ingenuity. The specifics of this work sometimes require a specialist (for example, bypassing the private sector) to take the initiative to attract people to dialogue;
• Developed memory. The specialist needs to remember about all the types of insurance offered. In addition, he must remember the status of his regular customers so that he can always offer them new conditions (for example, he has not yet insured her);
• Keep an eye on your appearance. Since the agent must constantly work with people, there should be nothing repulsive in his appearance. This means that you need to take care of yourself and maintain neatness.

This specialist can be a person who has reached the age of eighteen.

What regulations governs

The activities of an insurance agent are regulated by the provisions of the Labor Code, as well as Article 8 of the Law “On the Organization of Insurance Business in the Russian Federation”.

Kinds

Today there are 4 types of insurance agents:

• Direct insurance agents. These are specialists who are on the staff of only one company. They sign contracts with new clients in her interests. As a rule, the company itself is engaged in training and employment. In the organization, their salary is divided by the established rate and% of the concluded contracts;
• Single-mandate insurance agents. These specialists also work for one organization, but the specifics of their contract mean that they receive payment only through commissions. Typically they serve their private clients;
• Multi-mandate insurance agents. These agents work for several companies at once. This is beneficial for clients, since the specialist will offer optimal conditions from his point of view. Payment for his work is also made in the form of commissions;
• General agents. This agent is not on the company's staff. His main tasks include working with the client base (negotiations, renegotiation of contracts, etc.).

Who compiles it and where it is used

The job description of an insurance agent does not have a strictly unified form. As a rule, it is developed in . Its requirements are determined by the needs of the organization itself.

The job description is used when hiring a new specialist. He must familiarize himself with its provisions in writing to gain an understanding of the specifics of the work. This subsequently guarantees the resolution of many controversial situations.

Provisions of the job description of an insurance agent

General provisions

• An insurance agent is a technical performer;
• A specialist who has a secondary vocational education or has completed special training (courses) of the company can apply for the position of agent;
• An agent can appoint and dismiss an agent from a position;
• The insurance agent must know the following:
  • All regulatory documents and regulations governing its activities;
  • All types of insurance services provided by the company;
  • All legal frameworks at the regional level;
  • Current system of social guarantees;
  • Methods for determining the degree of risk and assessing damage;
  • Basic rules of a market economy;
  • Basic knowledge of human psychology and work organization;
  • The procedure for drawing up and signing an agreement;
  • Labor legislation;
  • Labor protection rules.
• During the agent's absence from the workplace, his duties will be performed by a designated responsible person.

Job responsibilities

This specialist must:

• Conclude agreements with clients regarding property and personal insurance;
• Conduct an analysis of regional demand for certain insurance offers;
• Conduct analysis among potential clients. Conduct negotiations with organizations of various forms of ownership;
• Negotiate with potential and existing clients to renew or renew contracts. During negotiations, analyze the client’s needs;
• Correctly assess the degree of risk and set appropriate criteria. This takes into account the state of health, finances, and psychological level of the person;
• Conclude contracts and subsequently regulate relations between the client and the company. Accept insurance premiums;
• Monitor the correct calculation of insurance premiums, draw up relevant documents and ensure their savings;
• Create interest and demand for certain insurance services offered by the company;
• Inform clients about all insurance conditions;
• Maintaining contact with clients throughout the contract;
• Consideration of all claims received from clients;
• Determine the reasons for the violation of the contract and take actions to solve these problems;
• Maintaining all documentation necessary to carry out activities;
• Interact with other insurance agents.

Rights

The agent has the following rights:

• Get to know everyone related to his activities;
• Request from your management the information necessary to carry out your job duties;
• Offer suggestions for improving the work process;
• Demand assistance from management to fulfill official duties and rights.

The video below will tell you who an insurance agent is:

Responsibility

The agent is responsible for:

• Poor quality performance of one's immediate official duties;
• Offenses that were committed during the performance of official duties;
• Intentional or accidental causing of material damage in accordance with the labor and criminal legislation of the Russian Federation.

The profession of an insurance agent is very important in the modern world. Moreover, such a specialist must have extensive knowledge in various fields. This concerns psychology, legislation and the ability to critically assess the situation. High stress resistance, as mentioned earlier, is the main criterion for this profession.

Nowadays, insurance has long become the norm of life. People often turn to such specialists to receive some protection from the consequences of possible unforeseen life situations. What does the assistance of such organizations look like in practice and what are the responsibilities of an insurance agent?

Essence of the question

Every day people face situations that, if unfavorable, can cause them significant harm. Even a simple trip to the store or a trip out of town can end in disaster. Life gives no guarantees. But the insurance company can partially compensate the person for the inconvenience that he will have to experience from the negative consequences. This is done by specially trained workers, who are usually called “agents.” They will help you find solutions to problems that arise. Who is he and what are the responsibilities of an insurance agent? First, we must say that this specialist is an employee of a specific company. A lot of them have recently appeared all over the country. Each offers its own conditions, and it is the responsibility of the insurance agent to convey them to citizens in an accessible form.

This work is not as simple as it might seem at first glance. A specialist has to communicate with hundreds of people every day. Direct contact is especially important, because this is the only way to solve something. The responsibilities of an insurance agent, in essence, are to clearly explain all issues of interest to the client and, if possible, interest him in future cooperation.

Follow instructions

Insurance companies are very careful in selecting their employees. After all, such work requires a person who not only knows how to talk, but actually has the ability to persuade. A special instruction has been developed for him, which lists all the job responsibilities of an insurance agent. Among them, there are several main positions that most clearly describe the essence of the work.

The specialist must:

1. Search for potential clients from individuals and legal entities.
2. Explain to clients the need to conclude a transaction.
3. Advise visitors on questions of interest regarding insurance legislation.
4. Conclude directly contracts for personal and property insurance, as well as carry out all operations related to this issue.
5. Ensure the safety of prepared documents.
6. Consider customer complaints on emerging controversial issues and take measures necessary to resolve them.

In addition to all this, any insurance agent must be in constant close contact with his colleagues.

Work in the main company in the country

Currently, in our country, the main organization involved in insurance is the Rosgosstrakh group of companies. It was created in 1992 and, in fact, is the successor to the previously existing State Insurance of the RSFSR. It consists of five largest divisions, the main of which is considered to be OJSC Rosgosstrakh. It has thousands of qualified employees working in 83 branches located throughout the country.

The responsibilities of an insurance agent at Rosgosstrakh are no different from the job functions of employees of other companies. A professional approach to business and an active life position are also important for them. And it doesn’t matter at all how old the candidate is. This could be an eighteen-year-old young man or a woman of pre-retirement age. The main thing is that he clearly sees the goal in front of him and knows how to achieve it. This kind of work requires constant communication with people, so one of the main qualities of an agent is communication skills. In addition, the company representative must be honest with his client and be able to answer for every word spoken. Deception in such a matter is absolutely unacceptable.

What do we have to do?

Considering the work of an insurance specialist in general, we can conclude that he, in fact, is a kind of intermediate link standing between his company and a potential client. He is the one who shows a person the most profitable and safe path in life. Therefore, when choosing such a specialty, each candidate must understand what the responsibilities of an insurance agent are. This does not mean deceiving any citizen into shelling out a substantial sum for no apparent reason. This is not the problem at all. A good specialist must not only explain to the client all the details of the contract, but also prove that such an action will bring him specific benefits.

It is necessary to select conditions that are convenient for him and, as an example, calculate possible compensation payments in accordance with current tariffs. After all, at the moment when the same insured event occurs, the client will again come to his agent. And then he will have to assess the damage according to all the rules. Experienced specialists usually manage to interest the visitor so much that he purchases several policies at once. Entrepreneurship in such work is only welcome.

Job description of an 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 according to the established program is appointed to the position of insurance agent without presenting requirements for work experience.

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. Fundamentals of a 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 in 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 immovable property, business 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 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.

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 performance or failure to fulfill one’s job duties 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.