Insurance details

In general, employees any insurance company can be divided into two major groups: the front office (those who have direct contact with clients) and the back office. The first group - are employees selling units and experts on the settlement of damages. What do the first - is understandable, but the latter is already working with customers after the insured event occurred. For back-office includes representatives of both the universal professions (secretaries, members of IT-services, accountants, etc.), And insurance (underwriters, specialists in actuarial calculations). Universals in the article will not talk, it will be only for those whose profession is an integral part of the insurance business.

Sellers in the State and outside the State

The first step that starts the career ladder many successful professionals in insurance, - a position of an insurance agent. The employee self-seeking clients and sells insurance policies for different types of insurance. Agent task is complex and simple at the same time - to sell insurance to me, your neighbor, that is a natural person. The hardest thing at first is where and how to find clients. After all, no one will call you and say: "Insure me, please!" So most beginners first insurance agents sell through relatives, friends and acquaintances. And just in time the agent (or the sales manager) formed its own client portfolio.

Agents are not employees of the company. Nevertheless, the development agency network - is something on which to build a business of any insurance company. Income derived by a manager, the entire sum of the percent of sales policies. Many in the profession of insurance agent draws a flexible schedule and the fact that sales can be engaged on the job training and core work. But there is another side to the coin: the lack of a stable income (how much you sell - so you get). But those who take up the matter seriously and achieves some success, will soon become full-time employees of the company and have themselves trained sales agents.

The main groups of professionals working in the state of the average insurance company, the sellers are different levels, underwriters, methodologists (product managers), activists, experts on the settlement of losses, the evaluators (not represented in all companies). Tell us more about each of these professions.

The driving force of any business - the sellers. The insurance firms they employ other workers. No sales - there is no field for the assessment of insurance risks and reinsure nothing to deal with the settlement of losses, too, is not necessary. Sales professionals typically work with corporate clients, at least - with individuals (usually retail - a field agent activity). Established sellers unlike freelancers have a fixed salary, the rest - a percentage of signed contracts. Experienced workers income is several times the amount of salary. Naturally, people who work in the field of sales, should be active and sociable, that is not a requirement for back-office staff.

Underwriter (translated to English - signed the risks) - one of the key occupations in insurance. The specialist undertakes on any type of insurance contracts, guaranteeing financial compensation. It forms a portfolio (risk selection produces), generates conditions of insurance, defines and justifies the size of their own retention and tariff policy, selects the reinsurance protection, which allows to transfer the risk of the maximum for the minimum money. On average, each underwriter receives billions of dollars more responsibility in the year.

Formal attitude to risk assessment can result in the most adverse effects. It is in insurance than in any other industry, a minor error or omission may lead to the collapse of the company. Therefore it is important that work in this area professionals. It is estimated to grow a good underwriter, the company takes three to four years.

The main product

The main purpose of any insurance company - quality customer service, which is possible only in the interaction of all divisions. To attract customers, the seller needed products and prices that the market will be the most favorable to differ from the rest.

Creating new products - the patrimony of product managers. After analyzing customer needs and capabilities of the company, they are preparing proposals for new products and their promotion. And their tools serves the entire company. For example, the development of tariffs on insurance trends is impossible without mutual cooperation product managers and underwriters. The promotion of the product on the market manager to help professionals in the field of advertising and public relations, in the preparation of special training for the sellers - service HR. Product manager is the initiator of all these processes from the inception of the idea to the product to market. He keeps abreast of sales, tracking how the new venture is profitable for the company.

continuous losses

Thus, the sale is perfect, the risks assessed. If during the term of the policy or contract an insured event occurs, the specialists on the scene to settle the losses (in some companies, referred to as experts). The accident crushed the car, insured neighbors above flooded apartment - with these and other problems sorted out just the experts. They will inspect the damaged property, amount to an act that the insured event did take place, will help the client to issue the documents necessary for the payment.

In some large insurance companies feature of the work of experts on the settlement of damages is the versatility: they are not only working at the scene, are assessing the damage involved in the reception and analysis of the documents, but also participate in the examination taken at the insurance objects, the development of new programs, tariff adjustments, etc. .

Insured event - for any company a kind of test of aptitude. On how skillfully and quickly it will be settled it depends on whether the client will appeal to this organization in the next time, or prefer another firm. Well, most staff involved in such an important issue, in addition to excellent knowledge of the business, you must have iron nerves and a truly angelic patience. Otherwise, try to explain to the person who drove the car an hour ago, what papers he needs to collect to get paid.

"Actuarial" question

Another insurance profession - actuary or expert in actuarial calculations.

Actuarial calculations - calculations of tariffs on any type of insurance methods of mathematical statistics. Using them is determined by the share of each insurer in the creation of an insurance fund, which is a kind of reserve, from which customers pay compensation. By and large, this work is focused on the future of the insurance company. Specialty actuary originated in the XVIII century in connection with the development of insurance business.

Professional requirements for employees of insurance companies, are standard. However, with the arrival of foreign insurers in the market, more and more increasing demand for qualified specialists who speak English. And here it in our country, unfortunately, is not enough.