An insurance broker is a legal entity (company) or an individual entrepreneur whose task is to represent the interests of customers in the field of insurance.
Considering that insurance activity is becoming more and more relevant every year due to the minimization of all kinds of risks, citizens are increasingly asking an interesting question – how to become an insurance company broker or start working on their own.
What does an insurance broker do?
Regardless of the status of the insurance company (individual entrepreneur or legal entity), the main task is to develop an insurance product for a specific type of insurance. Moreover, the author of the service can establish its own rules for its use. This is why products presented by different companies may have different prices.
As mentioned above, the insurance system in Russia is actively developing. This leads to the emergence of a huge number of products in the core market. It is sometimes difficult for a client to choose one or another option without understanding what its advantages and pitfalls are. This problem is exactly solved by insurance brokers. First, they analyze the needs and preferences of customers, and then, based on their financial capabilities, offer companies with the most profitable services.
What it takes to become an insurance broker
Obtaining a license
First of all, you need to get a license. In accordance with domestic legislation, the implementation of this type of activity is possible with a special permit issued by accredited state bodies.
Before becoming an insurance broker, it is highly recommended to seek the help of third parties to assist in obtaining a license. Although these are additional costs, the customer can be sure of high chances of receiving the document. They are ready:
- advise on all issues related to the preparation of documents for obtaining a license;
- check the existing package of papers and finalize it in accordance with the requirements of the law;
- independently prepare a package of documents from scratch;
- constantly check the progress of the procedure and interact with the competent authorities;
- transfer the finished license to the customer.
Who chooses this profession?
Before you become an insurance broker, it will not be superfluous to understand who really needs this profession. In most cases, its representatives are certified economists, who are well versed in the peculiarities of the domestic insurance policy.
On the other hand, anyone can become an insurance broker. In this case, you will have to take a course of study, and then consolidate your knowledge in practice by completing an internship at the relevant agencies.
How to become an insurance company broker: what skills are needed for the job
If you are an insurance online broker, then how to become a curator in this case? The obligatory conditions for the work of both a broker and a curator are the following points:
- good communication skills, desire to help the client;
- competently delivered speech – this will form a positive opinion about you as a competent person;
- the constant activity in the workplace;
- presentable appearance;
- good knowledge of the principles of operation of office equipment and specialized programs on a personal computer.
It will not be superfluous to have some experience in the insurance industry, as well as to show a desire to learn new skills.
How to become an OSAGO insurance broker: how to organize work
Before becoming an OSAGO insurance broker, think about the principles of work organization. In the current realities, the best option would be to work through the Internet. But in this case, you need to have a budget for promotion with you.
Another good option would be to organize work via the Internet with the possibility of providing advice in a representative office (office). Here you can carefully listen to the client, draw parallels between certain services from various companies, conclude an agreement for the provision of trust services, and perform a number of other important operations.
Clients
If you do not fully understand how to become an insurance broker, a step-by-step business plan will help determine the right direction for developing you as a specialist. In this case, customers are the key factor. You can search for them in different ways:
- through bulletin boards with free placement of publications;
- through your own website, simultaneously promoting it in search engines ;
- through external advertising in your region;
- through advertising in the media.
It is important to understand that in order to become an OSAGO insurance broker, one must strive to help the client, and not make money on it. Your task is to provide comprehensive support at any stage of cooperation. The work will be considered fully completed when the required result is achieved and the needs of service users are satisfied.
How to become a franchise insurance broker
Many people who want to learn how to become insurance brokers do not, in most cases, have the funds to grow the business. Do not be upset – in this case, a franchise will help you. Public and private insurance companies offer partners to take part in the franchise. Having paid the N amount for participation, all the necessary documents are drawn up, an office is opened, and an active advertising campaign is carried out.
After getting acquainted with the business model and passing a quick training, the franchisee (franchise buyer) gets the right to work legally in the insurance services market under the patronage of a large company. The cost of the franchise and the number of monthly payments (royalties) are provided for by the program of the franchisor (franchise seller) or negotiated individually.
Online insurance broker: how to become a curator
If you are an established online insurance broker, how to become a curator in this case? To do this, it is necessary to comply with an important condition – the broker has its own company, within which a formed team of specialists works. Obtaining the opportunity to become a curator is negotiated by the franchise implementers or is accepted on a sole basis if the firm operates without the help of third parties.
