To date, there are about 250 insurance companies in Ukraine, and many experts believe the insurance business one of the most promising and fastest growing. In this industry, you can quickly make a career.
It is very important that many companies are actively recruiting young people with no or minimal experience, because the staff is just not enough. So if you are a young professional, then you have every chance to get a job in an insurance company.
Insurance is a separate branch, which has its own characteristics, which you need to know. In general, insurance is: "Creation of funds that are paid in case of adverse events."
Sometimes different directions:
In Ukraine, the insurance business with began to actively develop only after independence, but rather at the end of the 90s. Now the insurance business in Ukraine is developing very rapidly, which could be described as "boom". Work with an insurance company becomes more and more popular.
There are new companies, there is an active inflow of investment from abroad, foreign companies come. Common steel mergers and acquisitions among players in the market, and all of this means a lot of money.
If something of this you have, then you can become a good insurance professional and having worked a year and a half of the initial positions and then go to the "big bosses", as companies grow and managers recruited from yesterday's young insurers.
In addition to the necessary professional skills (the ability to understand the relevant services and conditions of insurance) agent, as representatives of the business, must necessarily be outgoing personality and stress.
But that's not all. Success in this business largely depends on the ability to "calculate" the potential client. Experienced agents know: to offer their services to all in a row can not be. Instead of the conclusion of the transaction and making profits you can get a good share of negative emotions. Insurance agent - a kind of psychologist. Its main task - to accurately identify customer needs and provide the best solutions to problems.
Who can work in an insurance company?
The most popular are:
Leaders agents network
Most of these positions can be summarized in insurance manager. Or rather, a person who enters into the insurance transaction. Given actively growing market now felt an acute shortage of insurance professionals.
Of course, the work of an insurance company has its own characteristics. Firstly, you need to understand the intricacies of insurance. This is a fairly complex area and space for learning a lot. Secondly, in most cases the work of a specialist insurance implies active work with people, and so you need to be a bit of a psychologist and be prepared for a lot of communication. And third, most likely you will want to sell insurance, which requires sales skills, tenacity and vigor.
Let me teach
Due to staff shortage, many large insurance companies have opened their schools for training insurance agents. What is attractive, training is free of charge. In this case the company that organized the courses do not impose any obligation on the audience. That is to be trained, and it is useful for a career in related fields, absolutely free of charge.
Education in the school takes no more than a week. On average - three to five days, 4-5 hours a day. Teach in the first place, to understand the insurance, "to understand the product." Obligatory point of the program is to examine the regulatory framework governing insurance activities, as well as the basics of document. And teach properly execute contracts, to work competently with clients and so on.
Sign in to share
Earnings of the insurance agent, mainly consists of commissions from the sale of insurance products. The amount of remuneration depends on the type of insurance varies from 10% to 25% of the contract sum. For example, the average price of CASCO insurance policy for the car worth $ 20,000, is $ 1,500. That is, the agent who sold this type of insurance, will receive a minimum of $ 150.
In life insurance, the commission also depends on the duration of the contract and can reach 30-50%. This is despite the fact that life insurance is one of the most expensive products. But to sell such insurance is much more complicated than the policies of popular types of life insurance.
In some companies, there are so-called system of financing agent. This means that, subject to the sales plan insurance agent in addition to the commissions received also a flat rate - usually from $ 100 to $ 300. As an additional incentive and operate a variety of bonus programs, the promotion of sales agents, leaders and so on.
But in the first month of the novice may not be able to sell a single product. But free schedule of work of an insurance agent is quite allows him not to leave the main place of work and income from agency activities regarded as optional.
The activity of an insurance agent can be a temporary part-time job and start a career in the insurance business. Options for development can be several. Career growth depends on personal ambitions and abilities. An insurance agent can count on a place in the company. And can apply for a managerial position at achievement of certain criteria. For example, an insurance agent can count on a place in the sales department (as opposed to agents, state "salespeople" generally work with corporate clients and conduct transactions in larger amounts).
According to the insurers, the position of the agent - is the ideal starting step for a career in the financial sector. Firstly, because the large companies, especially foreign capital, like "grow" their own pictures. Second, the experience "in the field" will help future managers to better understand the market needs and to feel the situation. However, to get to the office staff, a specialist will have a minimum of six months effective work freelance.
By the way, not necessarily pursue a career all in the same company. A good specialist will be happy not only to any insurance company, but also in the banks. After all, there also have departments whose work is connected with insurance.