How to become an OSAGO insurance agent? What is the responsibility of the insurance agent of OSAGO?

People of the older generation who hear the phrase "insurance agent", most often before your eyes there is a person of an indefinite sex and appearance, quite persuasively persuading you to "think about the future and get a policy." Indeed, only 15-20 years ago this profession was not popular at all, mostly citizens were engaged in this kind of activity, and they did not succeed in any other field.

Today, work as an insurance agent at home (OSAGO, CASCO, property policies and much more) is quite prestigious and in demand, and if certain conditions are met, it can bring a considerable income.

Who is an agent of the UK?

Today's agents are ambitious young people, most of whom have higher education and considerable experience in communication with clients. Having passed special training, such a person is able to sell you anything you like - from a toothpick to a skyscraper, and he is absolutely not intrusive. Aerobatics - to conduct a transaction in such a way that after the conclusion of the contract the client has a full sense of his own importance and understanding that he is the "master of the situation".

As a rule, the insurance agent is not an employee of the company, but carries out its activities on the basis of a contract or a power of attorney. This means that in the event of any misunderstandings, the SC is directly responsible, and the intermediary, as it were, "has nothing to do with it." However, this does not mean at all that the agent is not responsible for anything, just in case of overlapping, he will keep an answer before the UK, and not before the client.

Before becoming an insurance agent (OSAGO, KASKO, etc.), it is still worthwhile to think, since this profession belongs to the category "the wolf feeds the legs," that is, it does not presume a solid salary, and people who prefer a certain stability, it does not Will do.

Who can be a UK agent?

In principle, in order to cooperate with insurance companies, you do not need to complete a certain university, such as doctors and lawyers. The profile and volume of your education here is not so important. The main criterion for those who are interested in how to become an OSAGO insurance agent is the availability of free time and the desire to communicate a lot. As freelancers, most of the UK will be happy to consider:

• Students (current, former and future);
• Pensioners;
• Retired military;
• Young mothers;
• Housewives;
• Any person who does not have a permanent job, but who wants to understand the wisdom of the new profession.

The easiest in this field of activity are those who already have rich experience of communication with different people: vendors, teachers, marketers, networkers, psychologists, doctors, former precinct officers and so on.

What should be a good agent

Those who decided to clarify the question of how to become an insurance agent of OSAGO and try their luck in this field should have certain qualities. It:

• Pleasant appearance - regardless of the level of their income, the SK agent should be clean, neat, neatly cropped and cause positive emotions in potential customers;
• Good memory - it is necessary to study well and remember the features of this or that insurance product, to be able to correctly explain its advantages; In addition, it is worth remembering and "specificity" of customers, even if they are permanent;
• Sociability - you need to be able to establish contact and quickly find intelligible answers to various questions, do not just pronounce the learned text, but interest the interlocutor;
• Resourcefulness - it's very useful to get out of an unfavorable situation, somehow - a combination lock at the front entrance or a huge owner's dog that met you at the doorstep;
• Stress resistance - people are different, not everyone knows how to speak correctly, so remember: the client is always right, and a polite smile will have to react even to the most notorious rudeness;
• Diligence - in this case, sit out "on the bench" will not work, the earnings will depend directly on the number of customers you find;

I would go to the insurers, let them teach me

So, we sorted out our personal qualities, now we'll talk about how to become an agent of an insurance company for OSAGO - INGOSSTRAKH, SOGAZ, RESO, VSK or any other company of your choice.

Of course, no company will allow the first counter to represent their interests and execute contracts on behalf of the firm - in order to obtain such a right, it is necessary to pass special training directly from the future employer. These courses are often free, where the future agent will learn the basics of negotiation techniques, work with objections from clients. Well, of course, "by bones" will disassemble every insurance product offered by the company, its advantages and advantages over its competitors.

Usually courses last from one to two weeks to several months, the training can be conducted both in groups and individually. Some companies also practice distance learning or remote webinars and Skype conferences. Before becoming an agent of an insurance company for OSAGO, CASCO and other types of insurance, the applicant must not only successfully complete the training, but also pass some examinations and tests on the passed disciplines. In some companies, training can also be phased - each new stage provides access to additional insurance products - the higher the level, the greater the range of policies that you can offer customers.

Duties

After completing the training, you can start working. The duties of an insurance agent of OSAGO and any other types of insurance include:

1. Search and attraction of new clients, expansion of own client base.
2. Conclusion of new contracts for all types of insurance and renewal (renewal) of existing ones.
3. Self-assessment of damage - despite the fact that most often it is a dedicated employee, each agent must be able to do it themselves.
4. Strict record keeping and preservation of documents - the responsibility for storing contributions and forms is entirely the responsibility of the agent.
5. Carrying out of advertising events - the better the agent can present himself, the more clients he will have.

Of course, the first two points are fundamental, it is the quality of their implementation that directly determines the income received.

Salary - a lot or not

Before you become an agent of an insurance company for OSAGO or other types of policies, it is worthwhile to understand that you will not receive a clearly specified income here. The salary of a freelancer directly depends on his activity, luck and diligence. The first time you work out the base, it will be quite difficult. Active and properly motivated beginners receive at first about 15 thousand rubles, and "shark agents" can earn more than 100 thousand rubles a month.

Of course, each company has its own pay system, but in general it can be said that the insurance agent's salary is 10-15% of the amount of contracts concluded. Some firms also offer certain bonuses and incentives to achieve good performance.

The work of the insurance agent, although not easy, but still quite interesting, and under certain conditions allows you to quickly move up the career ladder and improve your financial situation. Nevertheless, before becoming an insurance agent of OSAGO ROSGOSSTRAH, for example, once again assess the pros and cons of this profession.

All for

Advantages of this type of activity are quite obvious:

• Free training in a new case;
• Free work schedule - this work can be combined with any other, as well as with study, maternity leave and so on;
• The top bar of profitability is not limited by anything - how much "ran up", so much and received;
• The opportunity to acquire new "necessary" acquaintances;
• Low competition - people who are able to do this job well, not so much.

And against

Before becoming an insurance agent OSAGO, it is worthwhile to soberly assess the shortcomings of this profession:

• Lack of stable projected income;
• Independent search of clients - sometimes it is quite difficult to think of where to get them;
• Irregular working schedule - the probability that the client will want to see on a holiday, a day off or after 23.00 is great;
• Personal responsibility for the safety of documentation;
• Work with "cash", personal responsibility for the safety of insurance premiums.

Conclusion

At the end of the topic, we will summarize what is needed to become an OSAGO insurance agent:

1. Choose a company that provides insurance services and inquire about the availability of vacancies.
2. Send a resume with contact information or fill out a questionnaire on the company's website and wait for the invitation to the conversation.
3. Visit the office of the insurance company, go through a personal interview and sign up for the nearest training course.
4. Upon completion of training, conclude a cooperation agreement and start working, and how fast you can get your first salary is up to you.