The insurance agent

The insurance agent
The insurance agent system is introduced the United States is the world one of the most perfect state of the insurance agent system development, the achievements of the world's insurance industry development and insurance after the acquisition of power and its perfect insurance agency system are inseparable.Are now in a critical period in the development of the insurance industry in our country, draw lessons from the experience of American insurance agent system helps to us.One, the insurance agent training system of the United States most of the insurance companies and agents tend to choose my major is business and economy, and has a certain working experience of people engaged in insurance marketing activities.Basic knowledge on the basis of the existing mature insurance agent must also experience a multi-level business training system.(a) college training system in the United States, some universities or colleges provide insurance training courses.Course primarily around insurance basic principle, policy, technology and marketing process, and matching, the school also runs financial, mathematical, economic, commercial law, enterprise management, and other related courses, the purpose is to make insurance agent can be more profound understanding of the relationships between insurance industry and economy, society, and for insurance agent professional work lay the foundation for more complex in the future, as a powerful tool to improve efficiency, college training also pays attention to the training of the use of computer software.

2) is provided for the training specialized training system of special organizations by some specialized organizations or institutions to insurance agent to provide professional training.In general, the specialized organization according to the different agents involved in the business scope, provide life insurance, health insurance, property and accident injury insurance and financial planning, etc.Association of America, for example, insurance agent (NALA) and the American association of insurance agents (NALU) and so on, provide training on the subject.Specialized training to comply with the principle of voluntary, agents can choice whether to participate in the training, and attend the training.In the specialized demand more and more strong today, specialized training accepted by more and more American insurance agent.(3) the insurance company or the employer before the training system in the marketing campaign or to develop in the process of the insurance company or agent of the employer to provide the agent with a series of training, so that the agent can better into the roles and better marketing task.The main content of this training including company culture, management concept and marketing skills, marketing, the status of the goods, on previous marketing experience summary and related policy learning, etc.In the United States, the United States agent marketing system insurance marketing system based on agent marketing system as the core, the insurance market with large active agent team, according to statistics, the current insurance agent number has reached 1 million.In the United States, life insurance agent marketing system and property, liability insurance agent system is slightly difference.(a) property and liability insurance agent marketing system on the property and liability insurance market in the United States, the insurance agent to play the role of a core and the link.Its agent marketing system and the ways mainly have the following two kinds: 1, the independent insurance agent marketing system: independent agents usually several different insurance companies and agents, in an insurance company within the scope authorized by the use of their own business agent network.Independent agents shall have the right to solicit business allocation between the agent company, and according to its solicit business situation, from the insurance company to get some handling fee accordingly.Compared with special agents, independent agent in addition to the issuance of policy,

Charge premiums and other basic rights, the right of the policy renewal, that is, when the insured in the insurance policy expires choosing renewal, independent agents have the right to suggest to abandon the original insurance company and policy-holder turned his agent by another insurance company.2, special agent marketing system: special agent only an insurance company for insurance agent business.Special agent to solicit business cannot retain ownership, and retained by the agency of insurance company policy to possess, use and control rights, therefore, different from the independent agents, special agent has no right to suggest when policy-holder expire in policy renewal choose other insurance company.Special agent of revenue comes from fees, due to the renewal fee is low and does not have the right to that policy renewal, special agent to the development of new customers as a work target.Since the eighty s, special agent gradually developed into a major force in the insurance agent market of the United States, especially in the private property insurance market in a dominant position.

(2) life insurance agent marketing system most of the life insurance marketing in the United States rely on the agent, life insurance agent marketing system which can be roughly divided into the following three categories: (1) general agent marketing system: in the United States, is general agent to sign the agency contract with the insurance company, in the region within the scope authorized by the sales of life insurance policy, and obtained the corresponding commission income of an independent operator.Recruit to open my own agency, independent agent business agent, is responsible for the training and supervision, and according to the corresponding commission amount to confirm and pay the agent commission.In addition, the general agent also has the right to choose, the appointment of agent again to broaden its sales network, and to pay commission to agent.Agency marketing system: 2 points between the agent and the insurance company directly affiliated relationship and its essence, it is the result of the insurance company to expand.Agency is the manager of the insurance company's employees, all fees paid by the insurance company.Points the agency to recruit agents can adopt the method of hire, also can use contract authorization method.The former recruit agent is the formal employee of insurance company, its revenue is made up of two - basic salary and commission;While the latter does not have a formal employee status.Points in the U.S. life insurance marketing agency marketing system occupies a pivotal position, many famous insurance company, such as the metropolitan life insurance company (Netropo relies s) (New York, New York life insurance company {L fe) using agency marketing system.3. Personal agent marketing system: the agent system in his personal agent as the center set up a marketing system.Was the center of the individual agents are often have a successful sales records and insurance marketing world wide sales network more successful, they recruit agents, for their own marketing network to provide sales and service.Personal agent independently conduct themselves and recruited agents office expenses by itself.In general, the individual agent can get more income than the average agent.

Three, insurance agent supervision system according to the < McAllen. Buddha law), the United States states shall have the right to insurance legislation and supervision, the state to carry out the insurance supervision and ability to set up insurance.Although different states of insurance laws and regulations, supervision way also has difference, but it is the special law of state of the insurance agents or have a special section in insurance law to strict rules, its content is generally include the following aspects: (1) of the professional qualification of the insurance agents and the management of the business license, the establishment of insurance agent institutions must obtain business licenses issued by the state insurance, and the registration formalities.

2, engaged in insurance representative business personal must have certain professional quality.U.S. secretary of state are required to obtain must finish specified in the insurance agent qualification certificate of related courses, and to attend, including principle of insurance and state insurance law knowledge, the professional qualification examination.(2) marketing activity regulation of the insurance agents, insurance agents must attend relevant vocational training.2, the commission paid to agents and the authenticity of advertising supervision and management.3, emphasizes the principle of good faith, requires insurance agent must be honest and trustworthy, prohibit insurance agent used in the process of marketing to mislead, discrimination and not just marketing tools such as fraud.4, emphasize to protect the interests of policy-holder and insurant, insurance agents engaged in the insurance intermediary activities in shall not charge any commissions, more shall not damage the interests of the policyholders kickbacks condition for insurance companies.5, provisions of state security agency shall have the right to supervise the operation of the insurance agent and shall have the right to prevent and deal with the insurance agent and irregularities, may, when necessary, revoke its business license.Does in addition, the state security agency has set up a department to handle customer complaints, in view of the customer complaint investigation, and have the right to insurance companies and insurance agent to properly deal with.