So, you decided to try yourself in the insurance industry. The insurance industry in Russia is developing dynamically: companies are expanding their borders, opening additional branches, introducing new products. A significant impact on the growth of the industry had a law on compulsory motor third party liability insurance (hereinafter OSAGO). With its acceptance, the circle of potential clients of insurance companies increased, as did the need for new agents.
How to become an insurance CTP insurance agent?
To become an OSAGO insurance agent and get the opportunity to make money on the sale of policies, you must enter into a contract with one or more insurance companies. The contract with the agent involves freelance employment. However, the insurance company, as a rule, makes all the necessary contributions to the Pension Fund on the basis of the agent's actual earnings (that is, the entire commission received from the sale of policies).
If you want to get a job in the company's staff, then you need to track opportunities in the "Jobs" section on the companies' websites or on major job search portals.
There are certain requirements for future agents that must be met. Consider them below.
Basic conditions for recruitment
- Citizenship of the Russian Federation, reaching the age of 18 years.
- Availability of documents required for employment - passports, TIN and SNILS.
- No convictions that have not been canceled or outstanding under articles related to economic crimes.
Education and experience
- Both secondary and higher (or incomplete higher) education. Some companies are not ready to see day-time students among the agents (for example, Renaissance Insurance).
- Experience with people is desirable.
- Experience in active sales is desirable.
Other skills and personal qualities
- The desire to learn (there will be a lot of information).
- The desire to work with people.
- High interpersonal skills.
- Willingness to stress and conflict situations.
When applying, remember that all companies provide training for beginners. It usually lasts at least 3 business days in a row. If you live in the region, distance learning will be conducted for you and other applicants. So, you fully meet the requirements and still do not know how to become an insurance CTP insurance agent. What to do? Read on.
Responsibilities insurance agent CTP
All insurance companies describe the functionality of the future agent in approximately the same way:
- Active search for clients (operating time of own client base).
- Advising clients, assistance in choosing insurance programs.
- Meetings, negotiations (visits to customers).
- The conclusion of insurance contracts, paperwork.
Also keep in mind that today all CTP policies are issued in special programs and printed out on a printer. Therefore, it is desirable to confidently use a computer and the Internet. And remember that you need to carefully enter the data into the computer - if you make a mistake for at least one letter or number, the CTP policy will have to be redone.
The first steps
So, to the question of who you want to work with, you answer: “I want to become an insurance agent for OSAGO!” Well, when there is a goal, it’s great! But, as you know, to achieve the desired one desire is not enough. The applicant must perform the following steps. First of all, you need to conclude an agreement with the insurance company. Such a document will allow you to carry out activities for the sale of insurance policies. His conclusion is preceded by several stages:
- Interview and / or testing.
- Verification of your identity by the security service (takes up to 30 days).
- Training and internship.
After submitting an application or filling out a questionnaire, a company manager will invite you to an introductory interview, where he will tell you in detail how to become an OSAGO insurance agent. It will also explain the working conditions, take an interest in your experience and skills. Then you will be checked by the security service of the company: whether you are who you claim to be for, have you been tried, and so on. This check is due to the fact that the agent has to make cash payments daily, and most often cash. The company wants to protect themselves from fraud and theft. For verification, you will need to make copies of your main documents - a passport, TIN and SNILS.
How to become an insurance CTP quickly?
After approval of your candidacy, you will enroll. You will have to study on working days, usually a few days without a break. The educational process consists of a series of seminars on insurance products and tariffs and basic sales training. In addition, you will learn to work with the program or the agency portal for insurance. Even if your goal is exclusively OSAGO insurance, you will have to learn everything on a general basis. After training, you will pass certification and join the ranks of agents.
In almost all companies, an internship is provided under the guidance of a mentor for up to three months. Freelance agents tend to work flexibly, however you will need to regularly visit the office to report.
Are you still wondering how to become a CTP insurance agent and which company to choose? The steps described above on the way to becoming an insurance agent are fundamental for all ICs. Most often, applicants for OSAGO insurance agents are chosen for cooperation by such companies as Rosgosstrakh, Ingosstrakh, Reso-guarantee and Alfa Insurance. These companies have a high rating of reliability and a good indicator of insurance payments. We will learn how the selection of agents in each of them takes place, we will study their conditions and requirements for candidates.
How to become an insurance agent OSAGO ("Rosgosstrakh")?
The company "Rosgosstrakh" is present in the insurance market about 95 years. This provides it with good visibility and a wide range of clients. "Rosgosstrakh" is constantly hiring new insurance agents. Here will be glad to see among the trainees active, energetic man with a large circle of contacts. Huge plus: the company is widely represented in the regions. If you live and work in a small town where everybody knows you, or has retired from the position of teacher, physician, or military, me thinks you are the perfect candidate. The company also welcomed managers of the network companies with experience in active personal sales. To request the conclusion of the Agency contract, you can do one of the following ways:
- Fill out a simple form on the company website.
- Visit the office that is convenient for you and fill in the form on the spot.
Then everything is in the standard scenario: interview - verification - training. In the company "Rosgosstrakh" there is a Corporate University. Training takes place continuously on working days. Existing freelance insurance agents receive insurance policy forms for work and go to work "in the fields". Staff members are in the office and work with incoming customers. In "Rosgosstrakh" insurance OSAGO is carried out without reference to the region in which there is a specific branch. That is, a Muscovite will buy a CTP insurance policy in Kazan without any problems, and vice versa. Also to the pluses include the following: the company has its own inspection forms, no need to send a client with an overdue diagnostic card to the point of passage THEN.
How to become an insurance agent CTP: Ingosstrakh
Ingosstrakh is one of the top Russian insurance companies. Branches are widely represented throughout the country. To declare your desire to become an agent is simple:
- Residents of large cities fill out a form on the site and are waiting for feedback.
- Residents of the regions find their city on the company's website in the “Offices” section and contact the representative on their own.
The company's website states that the training lasts 5 days, but usually it takes 3 days. On the first day - general information and car insurance, on the second - products for property insurance, on the third - life and health insurance. The company will provide you with the necessary leaflets, brochures, leaflets and so on. Ingosstrakh provides supervision for beginners. The company usually does not set a plan for new agents. But in the event of a complete lack of results within a few months, the contract with you may be terminated.
Agency portal "Ingosstrakh" for registration of policies has an intuitive interface, it is extremely easy to use.
And in this company, how to become an insurance agent OSAGO? "RESO" is considered one of the most reliable insurance companies. The standard line of insurance products is from CTP to voluntary medical insurance policies. In addition to the interview, this company provides psychological testing for candidates. Sign up for an interview in the following ways:
- Fill out a form on the company's website and send it to the specified email address.
- Call and sign up for an interview.
In case of successful testing, you will be invited to study at the company's School of Agents. A prerequisite for admission to students: purchase a life and health insurance policy in the amount of 1,500 rubles. Training lasts 2 weeks, runs continuously on weekdays. There are morning and evening groups, the duration of each lesson is 4 hours. Students are provided with teaching aids, distance learning is also provided.
After completing the training and passing the attestation, one of the company's branches (usually the one that is convenient for you to visit) will conclude an agreement with you. Next is an internship in the selected branch for 3 months under the guidance of an experienced mentor.
Insurance agents OSAGO company "RESO" work in a special program called "Tsitriks". This program is designed for registration of all auto insurance products: CTP, CASCO, DSAGO, etc. For its development it will take time and practice, the program interface is quite complicated.
Alfa Insurance is part of the Alfa group of companies, has more than 4,000 employees throughout Russia and is considered a democratic company. Becoming an agent of an insurance company for compulsory motor TPL insurance (“Alfa Insurance”) is simple. You need to fill out a form on the site, and the manager will call you for dating.
Training takes several business days. Having learned the rules of insurance, examining tariffs and products, you will pass certification. If successful, the company will enter into an agreement with you. Alfa Insurance guarantees its agents timely payment of commission and participation in motivation programs.
Portal for registration of policies is easy to learn, in addition, all your work will be presented in graphs and figures.
Single agent or broker
How to become a single insurance agent CTP? As a rule, future agents for the conclusion of the contract apply to the largest and proven IC. Many enter into contracts with several companies at once. They understand that they will be able to offer the client a wide range of products and tariffs, but also learn more from them - in each company individually. Until recently, the work of an agent for several firms was prohibited. Now everything has changed, and the agency agreement no longer includes such a clause.
Often, agents who work with two or more insurance are mistakenly called “single agent” or “broker”. This is fundamentally wrong. A “single agent” is not a person, but a system for the sale of CTP policies, according to the rules of which the office of one insurance company offers the client to issue a policy for him to another organization. For example, you came to Rosgosstrakh and received a VSK policy. The distribution is carried out on the basis of the passport number of the vehicle.
The broker, in turn, is a natural or legal person who has the appropriate license and is registered with Rosstrakhnadzor. The broker, carrying out insurance activities, earns only part of the commission on the sale of the product. Thus, an agent who has a contract with several companies at once cannot call himself a single agent or a broker, although the latter is often used for ease of understanding.
Work in a brokerage agency
How to become an insurance agent insurance at home? Some of the applicants, wishing to reduce the steps and simplify the employment process, contact the brokerage. If you want to work with several companies, but do not want to waste your time checking and training in each of them can do the same.
Brokerage agencies usually work with more than a dozen insurance companies. They take full responsibility for the conclusion of contracts with companies, training of their employees and documentation reporting. Such an agency will conclude an employment contract with you and will issue a power of attorney for the right to conclude insurance contracts on its own behalf.
Your income will be formed from the interest from the sale of additional services, for example, the contract between the client and the agency. And the commission from the sale of policies for other types of insurance - life or property - will have to be shared with management. Another feature of the work will be the need for constant presence in the workplace. Most often, employees of such agencies work on a shift schedule. Now it became clear how to become an insurance company agent for CTP? Dare!