Throughout history, humanity has tried to develop effective mechanisms for creating and using the necessary reserves in case of unexpected disasters and losses. The realization that overcoming damage is only possible through joint efforts led to the formation of solidarity systems for the accumulation of material and financial resources.

This is how the insurance institution arose, which in the modern market acquired not only an economic, but also a social function. A person who devotes himself to the insurance business takes on an important social mission. Therefore, the profession of an insurance agent deserves special respect.

Main tasks and types of insurance

For successful activity in a particular economic sphere, it is necessary to understand the general principles of its functioning and knowledge of the main functions performed. Insurance accumulates financial resources in order to effectively use them to solve the following important tasks:

1. Compensation for damage caused by unfavorable events.
2. Providing regular insurance assistance when a person reaches a certain age or loses his ability to work (pension provision).
3. Providing medical care.
4. Saving and investing accumulated funds.

Insurance can be personal or property, voluntary or compulsory. Its objects are human life and health, civil liability, property and material assets. This diversity determines the formation of relevant industries and systems of insurance activities.

Successful work as an insurance agent in each of them requires possession of a certain set of professional knowledge and skills.

Who provides insurance services?

Insurance is the subject of government regulation and is based on the norms of financial and civil law. In accordance with the law, insurance activities are carried out by insurance companies or societies that operate on the basis of special licenses.

These can be public or private companies operating both at the local, federal and even international level. They can specialize in providing individual insurance services or cover several segments of the insurance market.

Based on the size of assets and authorized capital, large, medium and small insurance companies are distinguished. Thus, a powerful, dynamically developing system of insurance market participants with a developed network of horizontal and vertical connections is formed.

In this structure, the profession of an insurance agent is considered as the most widely in demand. It offers the opportunity for career growth and implementation in projects of various sizes and financial volumes.

Who is an insurance agent

An insurance agent can be an individual or legal entity who, on a contractual basis, represents an insurance company, performing actions in accordance with its authority.

An insurance agent acts on behalf of and on behalf of the insurance company. He sells its products, concludes contracts, draws up the necessary documents, accepts insurance premiums, and also pays insurance compensation within the established limits.

Before you understand how to become an insurance agent, it will not hurt to know that most of them in Russia are individuals. The most common practice of forming agent networks is concluding civil contracts with agents.

At the same time, insurance agents have the opportunity to enter into separate contracts with various insurance companies and, thus, provide a larger range of insurance services.

In addition, this expands the opportunities for agents to earn additional income. It is also practiced to work as an insurance agent under an employment contract. Let's figure it out further.

Employment

The profession of insurance agent is included in the All-Russian Classification of Worker Professions, Employee Positions and Tariff Classes. An agent hired under an employment contract is paid a salary for performing functional duties.

The total amount of payment is determined by the company itself, depending on its capabilities and qualifications of the specialist. Of course, if we are talking about a large international organization, then the salary can be quite high. But at the same time, appropriate requirements are put forward for the employee’s competencies, education and work experience.

Working as a free agent

An agent, having concluded a civil contract, acts as an intermediary between the provider and recipient of insurance services. In this sense, the activities of insurance agents contain a significant component of the work of an entrepreneur. In fact, the agent independently finds clients, studies their needs, and offers optimal insurance protection solutions.

He prepares and concludes contracts with policyholders, accompanies and services their implementation. The agent's interest is to receive a commission from insurance premiums under contracts that he has concluded with policyholders. The amount of this remuneration and the procedure for financial settlements are determined by the terms of the agreement concluded with the company.

This scheme encourages the agent to earn more money through active promotion of the insurer’s products on the market and the development of new types of insurance services.

What you need to know and be able to do

A successful insurance company agent is, first of all, a competent specialist who has comprehensive knowledge about the insurance product being promoted and the methods of insurance protection. But when working with clients, requirements for personal qualities come to the fore.

The most important thing is the ability to build trusting contact with a potential policyholder. The client must trust the company and to a large extent this depends on its representative.

The agent must demonstrate goodwill and attention, have a winning appearance, show patience and a willingness to resolve conflict situations.

Equally important qualities are planning skills, desire to learn, perseverance and energy. And for work to bring material and moral satisfaction, you must have an interest in insurance as a profession and a desire to work and earn money.

How to learn the basics of insurance

Insurance agents are trained in courses of varying lengths or in schools created by insurance companies. Training can be full-time or part-time. The educational process uses modern teaching technologies. It includes trainings and business games. Virtual classes, webinars, and educational videos are widely used.

For example, the initial training of agents at the Rosgosstrakh company is carried out according to a separate training system, which is called the Insurance Agent School. All employees of the organization’s sales departments, without exception, must undergo training.

During the classes, students learn basic skills in working with clients and study the company's insurance products. After studying at school, in the process of working, an insurance agent of Rosgosstrakh has the opportunity to improve his skills in relevant courses and master the features of managing an insurance business.

Where to begin

So, after getting an initial idea about the profession of an insurance agent, assessing all the pros and cons, the question is “how to become an insurance agent?” gained the power necessary to bring it to life.

To begin with, it is advisable to decide on the choice of the company in which you would like to work. It would be wise for a beginner to contact organizations that have a long-standing positive reputation in the insurance market and provide the opportunity to receive initial training.

In addition, it is advisable to pay attention to how the company builds relationships with its agents. For example, the largest insurance company Rosgosstrakh specifically emphasizes the importance of cooperation with 65,000 agents who represent it in all regions of Russia. All conditions have been created for them to have a successful start in the insurance market.

What affects an agent's earnings?

The conditions for the agent to receive a commission are determined by the contract with the insurance company. At the same time, there are objective reasons that influence the amount of possible earnings. First of all, this is the region in which the agent works, since the level of income of the population affects its ability to save additional funds, including for insurance needs. For example, an insurance agent at Rosgosstrakh may earn up to 80,000 rubles in the capital region, while in the country the amount of income can range from 10,000 to 30,000 rubles.

All other things being equal, the amount of income of an insurance agent depends on how competently he can plan and organize his activities. Will he be able to form an adequate portfolio of proposals? How effectively does he organize the attraction of clients and further interaction with them?

The modern world forces us to constantly change, master new types of activities and specialties. The profession of an insurance agent provides people who choose it with the opportunity not only to earn money, but also to reveal their entrepreneurial potential, gain a wide range of useful and pleasant acquaintances, constantly keep up with the times, and, most importantly, benefit people.

28.04.2015 16 504 5 Reading time: 13 min.

Let's look at what he does insurance agent, what is insurance agent job how interesting and promising it is. This type of cooperation is currently in great demand among insurers. Advertisements in the spirit of “insurance agents wanted” or “jobs at an insurance company” can be found literally everywhere: from pillars to employment portals. For companies, this is a fairly convenient option for promoting their services. And what it represents from the point of view of job seekers - today we will try to figure it out.

Profession insurance agent

So, let's look at what an insurance agent does. “Profession” is probably a strong word, since almost any person who has certain skills (they will be discussed below) and has the desire and ability to sell the company’s insurance products on the basis of a partnership agreement can become an agent of an insurance company.

Basic requirements for insurance agents:

• High level of communication skills, ability to communicate with different people and conduct business negotiations;
• , or the desire and ability to develop them in oneself;
• Active life position;
• Presentable appearance;
• Computer knowledge, ability to work with documents;
• Ability to learn.

An undoubted advantage for working as an insurance agent would be experience in insurance or direct sales experience.

Working as an insurance agent is available to a very wide range of people. Signing an agreement with an insurance company and becoming an insurance agent is not a problem. But not everyone can achieve success in this activity, or even reach a level of income sufficient for self-sufficiency, not to mention larger earnings.

Therefore, many people, having tried the job of an insurance agent, quit it after a while, seeing that they are unable to achieve the desired level of earnings.

In this regard, the best prospects are those who are already provided with work and work with people who may need insurance services (for example, doctors, employees of auto companies, sports clubs, etc.). They can combine the work of an insurance agent with their main job, and will not be so dependent on the income it brings.

Agents of insurance companies who have achieved great success and know how to competently sell insurance products will never be left without work and without income, because there are always free vacancies in the insurance business, and good specialists are always in demand.

Let's consider what the activities of an insurance agent are.

Insurance agent job

An insurance agent is a person who, on the basis of a contract, is an official representative of an insurance company and sells its insurance products to other people and organizations.

The responsibilities of an insurance agent include:

• active sales of insurance products (searching for potential clients, conducting negotiations, issuing and signing insurance policies and insurance contracts);
• work with existing clients (renewal and renewal of insurance policies, cross-selling);
• providing consultations on the terms and conditions of insurance products;
• maintaining reporting, cash and documentary circulation (reporting to the company under concluded contracts, depositing proceeds to the bank, issuing invoices for payment, certificates of work performed for legal entities, etc.);
• work on assessing damage and collecting documents for payment of compensation upon the occurrence of an insured event (if this is provided for in the contract between the insurance agent and the company).

Insurance agent salary

In most cases, an insurance agent earns only commissions from the sales of insurance products that he carries out. Insurance agents do not have any fixed salary, except when they work directly in the company’s office, but even there the salary will always be minimal, and the main income will be commissions. That is, if there are no sales, then you won’t be able to make money here.

The commission typically ranges from 5 to 30% of the premium, depending on the product.

An insurance agent's earnings largely depend on his sales skills, communication skills, insurance company rates, and the environment in which he works. You shouldn’t count on a stable salary here; income depends entirely on the results of your work.

Current insurance products for sales by agents.

• Car insurance (MTPL, CASCO);
• Risk life and health insurance;
• Property insurance;

Now let's look at the main advantages and disadvantages of working as an insurance agent.

Working as an insurance agent: benefits

1. Undemanding approach to candidates for vacancies. Almost anyone can become an insurance agent.

2. Training at company expense. As a rule, insurance companies conduct training and all kinds of trainings, seminars, and advanced training courses for their insurance agents. Here you can get useful knowledge and skills for free, which will be useful in other work and other areas of life.

3. Free work schedule. Independent, free time, the ability to combine the work of an insurance agent with another job or your own business.

4. Good pay for good work. An insurance agent who sells a large number of policies makes good money. In this work there is always material motivation to achieve high results.

5. Career prospects. The insurance business is an area in which not everyone can work well and earn money, and therefore there is often a high staff turnover. Thus, an insurance agent with high sales figures can gradually move to work in the company’s office and become the head of this office.

6. Vacations at the expense of the company and other privileges. This benefit of being an insurance agent applies to those who work for international life insurance companies, where international corporate events are often held to which the best employees are invited.

Working as an insurance agent: disadvantages

1. Dependence of income on sales indicators. The lack of a fixed salary is a significant disadvantage for many people. This is especially important for those who do not have other sources of income: working as an insurance agent, especially at first, may not provide the desired level of income.

2. Distrust of the population in insurance products. Today, what can be combined into the concept of “insurance culture” in post-Soviet countries is at a very low level. There are objective reasons for this: experience and practice of interaction with insurance companies show that actually receiving insurance compensation is often very difficult, and insurers do everything possible not to pay it or to minimize the payment as much as possible. Accordingly, it is very difficult to convince people of the need to have insurance coverage.

By the way, in developed countries things are different: the average resident there has several different insurance policies.

3. Independent search for clients. Working as an insurance agent from home requires you to independently develop a client base. And this is not so easy, especially in the absence of the necessary knowledge and experience.

4. Personal responsibility. If the person who purchased the insurance product has problems receiving insurance compensation (which, as we know, is a very common occurrence), who will bear all the negativity? That's right - to the insurance agent who sold it to him. Therefore, the insurance agent must also be ready to “resolve” all sorts of controversial situations, and his earnings will not depend on this, and he will have to spend a lot of nerves.

Now, having seen the main pros and cons of working as an insurance agent, I think you will be able to form your opinion and decide whether such a job is right for you or not.

In conclusion, some statistics: as research shows, two categories of people achieve the greatest success in working as insurance agents: students and people over the age of 50. At first glance, these are completely different population groups, but if you think about it, you can find a logical explanation for this.

Since working as an insurance agent is available to everyone, it is often chosen by students who have no work experience and are looking for part-time work to earn money for their studies. Due to their youth, activity and well-developed communication skills, they achieve good success in this matter. And people in adulthood have many equally elderly acquaintances, and this is exactly the age when people are already starting to think seriously about insurance, which is a good start for starting work as an insurance agent.

Once again, I will highlight an approximate list of categories of people and professions that have the best prerequisites for working as an agent of an insurance company:

• students;
• elderly people, pensioners;
• bank employees;
• auto workers;
• healthcare workers;
• people involved in ;
• people with experience in direct sales;
• workers of large enterprises with a large team.

One insurance agent can work for several insurance companies at once, giving his clients the opportunity to choose.

I hope that this information was interesting and useful to you. In the next article, I will talk in more detail about how to become an insurance agent. Stay with us and stay tuned for updates. See you again at !

Estimate:

An insurance agent is a representative of an insurance company engaged in the direct sale of its products - insurance. The professionalism of the insurance agent and the persuasiveness of his presentation determine which insurance company a potential client will choose.

An insurance agent is not a person who goes door to door collecting money from people by offering an insurance policy in return.

An insurance agent is someone who helps clients make their choice by carefully studying their needs and offering the most optimal option. This is a friend of the client, communication with whom usually takes place over a cup of tea.

The responsibilities of an insurance agent are not limited to knowledge of insurance products, payment technologies and claims settlement. Rather, this is the minimum that he must master perfectly. But showing interest in the client’s personal life, unobtrusively and tactfully entering his personal space - these are the “subtle” tools that make an ordinary specialist a real professional. After all, insurance is always a hidden, one might say, intimate part of a client’s life, and therefore building human contact is quite difficult - but very important. The client must trust not only the company whose insurance policy he is buying, but first of all, the person who sold it.

What qualities are important for an insurance agent?

Today, the appearance of the agent has undergone significant changes compared to how he appeared twenty, ten, or even five years ago. Today, an insurance agent is, as a rule, an energetic young man, educated, well-mannered, competent, with knowledge and skills in a variety of fields. Speaking about the qualities that an insurance agent should have, we can highlight several of the most significant ones.

First of all, the agent must have strategic thinking - in order to understand where and how to look for clients, be able to plan and organize his activities, anticipate possible risks (for example, a client often buys insurance in order to be guaranteed to earn money by deceiving the insurance company in the future) and take action to reduce them.

It is also important for an agent to have marketing knowledge - it allows them to clearly and clearly convey to the client the benefits of working with the agent, and not with the company’s office.

And the ability to build long-term relationships allows you to retain customers year after year, thereby creating a loyal base.

A key quality for an insurance agent is communication skills. It is impossible to do without communication skills - the entire work of an agent is built on them: he must be able to speak with each client in his language and in terms of his benefits, be able to find an approach to any person, be persistent and persuasive, listen and hear the client. In the West, there is even an archetype of the “insurance agent”: this is a person whom the whole area knows. And who himself is friends with all the neighbors - charming, friendly, “his guy.” And this image did not arise by chance. To work effectively, an insurance agent must, in addition to everything, have the skills of a psychologist in order to understand what points to click on in order to convince the client to purchase insurance.

Speed ​​of response is an equally important quality for an insurance agent - he must navigate the client’s needs in order to assess the parameters of the upcoming transaction and offer the most favorable conditions (for both the client and the company).

Of course, determination, dedication, perseverance, energy and self-confidence are also important for an insurance agent. In addition, an insurance agent must strive for self-development, learn effective sales techniques, and the ability to learn from even a bad deal. All these features determine the professionalism and quality of the agent’s work.

Insurance agent functionality

The agent is a full-fledged participant in the insurance market - he concludes contracts for insurance of property and individuals, analyzes the demand and regional conditions for certain insurance products (including researching new types of insurance services and prospects for their development), analyzes the composition of potential clients, and regulates relationships between the policyholder and the insurer, helps clients obtain comprehensive information on the terms of insurance, provides guarantees for the correct completion of documents and maintains contact with policyholders throughout the duration of the contract.

The insurance agent is responsible for maintaining all insurance documentation - both new and old clients. If an insured event occurs, the agent interacts with the insurance company’s payment service and, in the event of a refusal, tries to “soften the corners”, regulating the possible escalation of the conflict. The agent thus represents the interests of the client at all levels of business processes.

Daily routine of an insurance agent

Probably, independence and freedom in organizing your working day is one of the most attractive aspects of working as an insurance agent. No one can tell the agent when or where he should be. He is no longer just an employee, he is his own boss. Of course, in this case, the agent still has a contractual relationship with the company, rights and obligations remain, but at the same time, he himself can decide what to do and how, and whether to do it at all. In fact, he becomes an individual entrepreneur.

However, a good agent always adapts to his clientele first. If it is convenient for the client to meet on the weekend at his country house, then the agent is forced to exchange his country (or any other) vacation for work with a potential policyholder. He must also be prepared for unexpected changes in the client’s personal plans and significant travel time. If an agent works with legal entities, they have to adapt to their work rhythm, which means that the working day may end quite late.

In practice, an insurance agent does not start work when he wants, but in accordance with a plan that includes such items as: searching for clients, telephone calls, personal meetings, self-study (it is necessary to study the basics and new trends of the insurance market in order to confidently respond to all customer questions and correctly formulate their needs). In many ways, what an agent does today determines his future tomorrow, and therefore the working day of a sought-after insurance agent is scheduled almost to the minute, and free time is reserved for unexpected calls or unforeseen meetings with clients.

We bring to your attention a typical example of a job description for an insurance agent, sample 2019/2020. A person with secondary vocational education and special training according to an established program can be appointed to this position without presenting work experience requirements. Do not forget, each instruction of the insurance agent is issued in hand against a signature.

Typical information about the knowledge that an insurance agent should have is presented. About duties, rights and responsibilities.

This material is part of the huge library of our website, which is updated daily.

1. General Provisions

1. An insurance agent belongs to the category of employees.

2. A person who has secondary vocational education and special training according to an established program without presenting requirements for work experience is accepted as an insurance agent.

3. An insurance agent is hired and dismissed by the _________ organization (director, manager) upon the recommendation of __________. (job title)

4. 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;

— 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.

5. In his activities, the insurance agent is guided by:

- legislation of the Russian Federation,

— Charter (regulations) of the organization,

- orders and instructions of the __________ organization, (general director, director, manager)

- this job description,

— Internal labor regulations of the organization.

6. The insurance agent reports directly to: _________. (job title)

7. During the absence of an insurance agent (business trip, vacation, illness, etc.), his duties are performed by a person appointed __________ (position) of the organization in the prescribed manner, who acquires the corresponding rights, obligations and is responsible for the performance of the duties assigned to him.

2. Job responsibilities of an insurance agent

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 and legal entities 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.).

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

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 security and other subjective qualities characterizing the client.

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

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

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.

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

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

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

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

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.

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

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.

17. 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.

18. Interacts with other insurance agents.

3. Rights of an insurance agent

The insurance agent has the right:

1. Submit proposals for management’s consideration:

— to improve work related to the responsibilities provided for in this instruction,

- on encouraging distinguished employees subordinate to him,

— on bringing to material and disciplinary liability workers who violated production and labor discipline.

2. Request from structural divisions and employees of the organization the information necessary for him to perform his job duties.

3. Get acquainted with the documents defining his rights and responsibilities for his position, criteria for assessing the quality of performance of official duties.

4. Get acquainted with the draft decisions of the organization’s management relating to its activities.

5. Require the management of the organization to provide assistance, including ensuring organizational and technical conditions and execution of the established documents necessary for the performance of official duties.

6. Other rights established by current labor legislation.

4. Liability of the insurance agent

The insurance agent is responsible in the following cases:

1. For improper performance or failure to fulfill one’s job duties provided for in this job description - within the limits established by the labor legislation of the Russian Federation.

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

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

Job description of an insurance agent - sample 2019/2020. Job responsibilities of an insurance agent, rights of an insurance agent, responsibilities of an insurance agent.

Tags for the material: job description of an insurance agent, job description of an insurance agent at Rosgosstrakh.

An insurance agent is a person who, on behalf of or on behalf of an insurance organization, is engaged in concluding contracts on voluntary or compulsory insurance. Also, the work of a qualified insurance agent is to sell insurance policies, prepare the necessary package of documents for drawing up an agreement, collect premiums and, in the event of an insured event, reimburse the insured amount. At first glance, nothing complicated, but is working in an organization as an insurance agent so simple and straightforward?

Demand for insurance workers

Working as an insurance agent in a company has always been in high demand, but nowadays this profession is gaining even greater scope. This is largely due to the unstable situation in both the economic and political life of the country. Every entrepreneur or individual tries to insure his property, movable and immovable, in a word, to insure himself in case of serious changes in economic life.

An insurance agent is the most important person in any insurance company. It is he who is at the forefront, so to speak, and it is he who brings profit with his actions and skills. Due to the fact that the labor market is constantly in need of trained personnel in this area, the profession of an insurance agent is constantly on the list of vacancies. But not every person can withstand the specific stress of the profession. It is no secret that this work is associated with serious moral shocks. For this reason, many applicants abandon the idea of ​​becoming an agent at the preparation and training stage.

What an insurance agent should be able to do

At first glance, such work is not so difficult. The responsibilities of such specialists include:

• qualified search for policyholders, which consists not only of calling potential clients. Searching for new clients to conclude an insurance contract includes personal meetings and thematic events, presentations, promotions and much more.
• identifying needs that correspond to modern trends and changes in the economy, and therefore in the insurance sector, both in a single city and in the country as a whole.
• the ability to communicate concisely and correctly with future clients. For an insurance agent, correctly introducing yourself and the services you offer is the most important task. In practice, few people want to part with their earned money for the sake of insurance and using the right words to convince a client is an excellent skill that every agent should have.
• correct drafting of the contract and related documents. Who will communicate with the company if it cannot provide a correctly executed contract in legal and economic terms? Therefore, knowledge of legislation, at least at the level of the insurance industry, is mandatory for all insurance specialists.
• support for old clients and supervision of existing partners. We should not forget that new sales markets are, of course, good, but at the moment financial flows come from previously concluded contracts. Therefore, regular customers should feel attention to them.

Necessary qualities for an interesting profession

All these responsibilities may seem impossible to some, but others will say that it is quite simple. An insurance agent is a fairly serious profession that requires not only responsibility, but also certain personal qualities. Many companies have high requirements when recruiting specialists, but they are quite justified.

What exactly are the requirements for an applicant for the position of an insurance agent:

• the main desire, this slogan is perfect for starting the list of demands,
• sociability and desire to work with real people,
• easy learning,
• genuine interest in insurance and everything connected with it,
• Higher education is welcome, but its absence is not a barrier,
• preference is given to people who have extensive communication experience, for example, doctors, teachers, salesmen,
• agents who have worked or are working in competing companies are very valuable material,
• communication skills, a very important quality, without which it will be difficult, especially when working from home,
• moral stability especially in conflict situations.

All these qualities are, of course, not mandatory components, but the work of any insurance agent includes many of these points. The absence or poor possession of one or another quality will definitely affect productivity. Therefore, if there are gaps in knowledge or moral qualities do not reach the required levels, the agent is simply obliged to work on himself and take courses or trainings. Now there are more than enough such services, and those who do not want to go to such events can improve themselves at home.

Appropriate payment

All the work put into achieving the goal will be rewarded, the main thing is to try. An agent's remuneration is his salary, which is based on his work productivity. Insurance is a type of activity where a lot depends on insight and communication skills. But not only the ability to speak well and be efficient affects the amount of reward. The main factors are:

• experience in the relevant field,
• received education,
• knowledge of foreign languages,
• status and size of the employer's company,
• range of duties performed,
• developments and client bases.

Having a high level of training and correctly chosen goals, an agent can receive fairly high fees. Essentially, the job is to find clients and the more of them, the higher the total income. With positive reviews from grateful clients, the agent earns his name in the insurance industry. In the future, the name works for the owner.

The work is estimated at approximately 10 to 30% of the insurance contract amount. It is not difficult to imagine how much money you can receive at the end of the month if you have your own customer base who constantly renew their contracts. Positive feedback is extremely important, since it is very difficult to gain respect and any help in this matter will not hurt.

Bonuses and nice little things

The work of an insurer is unique and difficult, but, as a rule, there are pleasant moments in it besides the salary. The agent must be constantly in touch, and since his job is mainly to communicate with the client, the phone must work without interruption. The main condition for this is a positive balance. Therefore, in most cases, the employer pays for the cellular communications of his subordinates.

In addition, since the work is related to insurance, the agent, as an incentive, can be insured in his company completely free of charge. And of course, bonuses of various kinds: quarterly, annual or based on the results of the reporting period.

But this is not even the beauty of choosing this profession. This direction is chosen by those people who do not want to work in stuffy offices, those who are not attracted by the same type of work, which consists of daily uninteresting operations.

An insurance agent is always up to date with current political news; this agent is usually an interesting and well-read person with whom it is pleasant to talk and even argue on any topic. Therefore, despite the fact that working as an insurance agent in a company is accompanied by nervous shocks, this profession will always be in demand and attractive to many active people.