Job description for an insurance agent

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Job description for an insurance agent. Full document

Occupational Safety and Health

Occupational Safety and Health / Job descriptions

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I. General Provisions

An insurance agent belongs to the category of technical executors.
A person who has a secondary vocational education and special training according to an established program without presenting requirements for work experience is appointed to the position of an insurance agent.
Appointment to the position of an insurance agent and dismissal from it is carried out by order of the director of the enterprise.
The insurance agent must know:

regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance bodies.
types of insurance services and conditions of various types of insurance.
legal basis for the development of insurance activities, taking into account regional specific conditions.
the current system of social guarantees.
methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused.
fundamentals of a market economy.
Fundamentals of psychology and organization of work.
the procedure for concluding and executing contracts for insurance services.
domestic and foreign experience in organizing insurance of the population and business entities.
fundamentals of labor law.
rules and regulations of labor protection.

The insurance agent reports directly to _______.
During the absence of an insurance agent (vacation, illness, etc.), his duties are performed by a person appointed in the prescribed manner. This person acquires the relevant rights and is responsible for their proper implementation.

II. Official duties

Insurance agent:

Carries out operations on the conclusion of contracts of property and personal insurance.
Studying regional conditions and demand for certain insurance services.
Analyzes the composition of the regional contingent of potential customers, serves individuals representing institutions, organizations and enterprises of various forms of ownership.
Conducts reasoned conversations with potential and regular customers in order to interest them in concluding or renewing insurance contracts (life and health, movable and immovable property, entrepreneurial and commercial activities, etc.). in the process of working with clients, conducts observation, evaluates the characteristics of perception, memory, attention, motivation of behavior and ensures mutual understanding when concluding contracts for insurance services.
Establishes the criteria and degree of risk when concluding contracts for insurance services, taking into account the state of health, age, gender, education, work experience, level of material support and other subjective qualities that characterize the client.
Concludes and draws up insurance contracts, regulates relations between the insured and the insurer, ensures their implementation, accepts insurance premiums.
Ensures the correctness of the calculation of insurance premiums, registration of insurance documents and their safety.
It contributes to the formation of interest and demand for the insurance services provided, taking into account the need to strengthen the material and moral support of various segments of the population, as well as the increase in the risk associated with competition, bankruptcy, unemployment and other socio-economic processes taking place in modern conditions.
Provides assistance to clients in obtaining comprehensive information about the conditions of insurance.
Carries out work to identify and record potential insurers and insurance objects, evaluates the cost of insurance objects.
During the period of validity of the concluded contracts, it maintains contact with individuals and legal entities that have entered into contractual relations for insurance services.
In the event of damage to the insured, it evaluates and determines its amount, taking into account the criteria and degree of risk.
Considers complaints and claims from clients on controversial issues of calculation and payment of insurance premiums, payment of insurance compensation in the event of an insured event in accordance with the terms of the contract.
Determines the causes of violations of insurance contracts and takes measures to prevent and eliminate them.
Explores undeveloped types of insurance services and prospects for their development in order to apply in their practice and in the creation of insurance bodies and services.
Timely and in accordance with the established requirements draw up the necessary documentation, keep records and ensure the storage of documents related to the conclusion of insurance contracts.
Liaising with other insurance agents.

III. Rights

The insurance agent has the right:

Get acquainted with the draft decisions of the management of the enterprise regarding its activities.
Request personally or on behalf of the immediate supervisor from the heads of enterprise departments and specialists information and documents necessary for the performance of his duties.
Submit proposals for improvement of the work related to the responsibilities provided for in this instruction for consideration by the management.
Within the limits of his competence, report to his immediate supervisor about all the shortcomings identified in the course of his activities and make proposals for their elimination.
Require the management of the enterprise to assist in the performance of his duties and rights.

IV. A responsibility

The insurance agent is responsible for:

For improper performance or non-performance of their official duties provided for by this Job Description - within the limits determined by the current labor legislation of Ukraine.
For offenses committed in the course of carrying out their activities - within the limits determined by the current administrative, criminal and civil legislation of Ukraine.
For causing material damage - within the limits determined by the current labor and civil legislation of Ukraine.

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