How to become an OSAGO insurance agent? What are the responsibilities of an OSAGO insurance agent?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Older people who hear the phrase "insurance agent" most often see a person of indeterminate gender and appearance, rather obsessively persuading you to "think about the future and purchase a policy." Indeed, only 15-20 years ago this profession was completely unpopular, this type of activity was mainly carried out by citizens who 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 under certain conditions it can bring considerable income.

Who is the UK agent

Today's agents are ambitious young people, most often with higher education and considerable experience in the field of communication with clients. Having undergone special training, such a person is able to sell you anything - from a toothpick to a skyscraper, and he is absolutely not intrusive. Aerobatics - to conduct a deal so that after the conclusion of the contract the client has a complete feelingself-importance and understanding that he is the “master of the situation.”

As a rule, an insurance agent is not an employee of the company, but carries out its activities on the basis of an agreement or a power of attorney. This means that in case of any misunderstandings, the entire responsibility lies directly with the IC, 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 overlaps, he will answer to the SC, and not to the client.

Before becoming an insurance agent (OSAGO, CASCO, etc.), you should still think carefully, since this profession belongs to the category of “feeding the wolf’s legs”, that is, it does not imply a fixed salary, and people who prefer certain stability, it won't fit.

Who can be an SC agent

In principle, in order to cooperate with insurance companies, one does not need to graduate from a particular university, such as doctors and lawyers. The profile and amount of your education is not so important here. 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 UK will gladly consider:

• students (current, past and future);
• pensioners;
• retired military;
• young mothers;
• housewives;
• any person who does not have a permanent job, but who wants to learn the wisdom of a new profession.

Easiest in this field of activity are those who already have rich experience in communicating with different people: salespeople, teachers, marketers, networkers, psychologists, doctors, former district police officers, and so on.

What a good agent should be

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

• Pleasant appearance - regardless of their income level, an IC agent must be clean, tidy, neatly cut and evoke positive emotions in potential customers;
• good memory - you should study and remember the features of this or that insurance product well, be able to correctly explain its advantages; in addition, it is worth remembering the "specifics" of customers, at least regular ones;
• sociability - you need to be able to establish contact and quickly find intelligible answers to various questions, not just pronounce the memorized text, but interest the interlocutor;
• resourcefulness - the ability to get out of an unfavorable situation is very useful, such as a combination lock at the front door or a huge dog of the owners who met you at the doorstep;
• stress resistance - people are different, not everyone can speak correctly, so remember: the client is always right, and you will have to respond even to the most outrageous rudeness with a polite smile;
• hard work - in this case, you won't be able to sit out "on the spare bench", earnings will directly depend on the number of clients you find;

I b cinsurers went, let them teach me

So, we figured out the personal qualities, now let's talk about how to become an agent of an OSAGO insurance company - INGOSSTRAKH, SOGAZ, RESO, VSK or any other company of your choice.

Of course, no company will allow the first comer to represent their interests and draw up contracts on behalf of the company - to obtain such a right, you must undergo special training directly from the future employer. These courses are most often free, where the future agent will be taught the basics of negotiating techniques, working with customer objections. And, of course, every insurance product offered by the company, its advantages and advantages over competitors will be analyzed “by the bones”.

Usually courses last from one to two weeks to several months, training can be carried out 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 pass some exams and tests in the disciplines passed. In some companies, training can also be phased - each new level opens access to additional insurance products - the higher the level, the more range of policies that you can offer customers.

Responsibilities

After completing the training, you canstart work. The duties of an OSAGO insurance agent 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 extension (renewal) of existing ones.
3. Self-assessment of damage - despite the fact that this is most often done by a specially assigned employee, each agent must be able to do it himself.
4. Strict accounting and preservation of documents - the responsibility for the storage of contributions and forms lies entirely with the agent.
5. Carrying out promotional activities - the better the agent can present himself, the more clients he will have.

Of course, the first two points are fundamental, the income directly depends on the quality of their implementation.

Salary - a lot or not

Before you become an agent of an insurance company for OSAGO or other types of policies, you should understand that you will not receive a clearly defined income here. The salary of a freelancer directly depends on his activity, luck and hard work. The first time, until you develop a 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 remuneration system, but in general it can be said that the salary of an insurance agentis 10-15% of the amount of concluded contracts. Some firms also offer certain bonuses and incentives for good performance.

The work of an insurance agent, although not easy, is 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 OSAGO ROSGOSSTRAKH insurance agent, for example, it is worth re-evaluating the pros and cons of this profession.

All for

The advantages of this type of activity are quite obvious:

• free training for a new business;
• free work schedule - such work can be combined with any other, as well as study, maternity leave and so on;
• the upper bar of profitability is not limited by anything - how much you "run", so much you got;
• opportunity to make new "necessary" acquaintances;
• low competition - there are not so many people who can do this job well.

And Against

Before becoming an OSAGO insurance agent, it is worth soberly assessing the shortcomings of this profession:

• lack of stable projected income;
• search for clients on your own - sometimes it can be quite difficult to figure out where to get them;
• non-standard work schedule - it is likely that the client wants to see you on a holiday, day off or after 23.00;
• personal responsibilityfor the safety of documentation;
• work with "cash", personal responsibility for the safety of insurance premiums.

Conclusion

At the end of the topic, let's summarize what you need to become an OSAGO insurance agent:

1. Select an insurance company and inquire about vacancies.
2. Send a resume with contact details or fill out a form on the company's website and wait for an invitation to a conversation.
3. Visit the office of the insurance company, have a personal interview and sign up for the next training course.
4. After graduation, conclude a cooperation agreement and start working, and how quickly you can get your first salary is up to you.