Insurance agent: Duties

It analyzes the structure of the regional contingent of potential customers, serving individuals and entities representing the institutions, organizations and enterprises of different ownership forms. Conducts reasoned conversation with potential and regular customers to get them interested in the conclusion or renewal of contracts of insurance (life and health, movable and immovable property, business and commercial activities, and others.).

In the process of working with clients monitors, evaluates the characteristics of perception, memory, attention, motivation, behavior, and provides understanding when contracting for insurance services. Establishes criteria and risk when contracting for insurance services, taking into account the state of health, age, sex, education, work experience, level of material security and other subjective qualities that characterize the customer.



Concludes and draws up insurance contracts, regulates the relations between the insured and the insurer, provide for their implementation, carries out the acceptance of insurance premiums. Provides correct calculation of premiums, processing of insurance documents and their preservation. Promotes interest and demand for the services rendered by insurance, taking into account the need to strengthen the material and moral support of various sectors of the population, as well as the growth of the risks associated with competition, bankruptcy, unemployment and other socio-economic processes taking place in the modern world. It assists clients in obtaining comprehensive information on security conditions.

Conducts work on the identification and registration of potential policyholders and insurance facilities, gives an estimate of the cost of insurance facilities. During the term of the contracts concluded in communication with individuals and legal entities, entered into a contractual relationship for insurance services. In the event of damage to the insured evaluates and determines its size taking into account the criteria and risk. Examines coming from customer complaints and claims on the disputed issues of calculation and payment of insurance premiums, payment of insurance compensation when the insured event in accordance with the terms of the contract. Sets the causes of violations of insurance contracts and take measures for their prevention and elimination. Explore undeveloped types of insurance services and their development prospects with a view to use in their practice and to create insurance agencies and services. Timely and in accordance with the requirements prepares the necessary documentation, maintains records and provides storage of documents relating to the conclusion of insurance contracts. Interacts with other insurance agents.

Must know
Normative legal acts, regulations, instructions, and other guidance documents regulating the activities of insurance agencies; kinds of insurance services, and the conditions of the various types of insurance; the legal basis for the development of insurance activities with regard to regional specific conditions; the current system of social guarantees; methods for determining the degree of risk when contracting for insurance services and damage assessment; the foundations of a market economy; basics of psychology and organization of work; order of the conclusion and execution of contracts for insurance services; domestic and foreign experience of organizing security of the population and economic entities; basics of labor law; Rules and regulations of labor protection.


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