Ngokuxhomekeke kummiselo kaRhulumente
Njengeenkampani zomshuwalense , ama-inshorensi nama-brokers alawulwa yilizwe .
Bayixhomekeke kwimithetho ebekwe ngama-legislatures kaRhulumente kwaye iqhutywe yiminyango ye-inshurensi yombuso. Amasebe olawulo lwama- inshurensi athetha ngokubhekiselele kuma- inshorensi kunye nabathengisi njengabavelisi .
Igama livela kwinto yokuba ama-agents kunye nabathengi bavelisa (ukuvelisa) inzuzo evela kwiikomishini abazifumana ekuthengiseni imigaqo-nkqubo . Kwiziko le-inshurensi okanye i-brokerage, igama lomvelisi lidla ngokubhekisela kumntu owenza umsebenzi omkhulu wokuthengisa kunokuba asebenze ngabathengi. Ngenjongo yale nqaku, umvelisi uthetha nje i-arhente okanye umthengisi.
Umenzi weeLayisenisi
Zonke iindawo zifuna ama-inshorensi kunye nabathengi ukuba bafumane ilayisenisi ukuze bathengise inshorensi. Urhulumente unokunikezela ezininzi iintlobo zeelayisenisi. Imizekelo yilayisenisi yePropati kunye neTyala, kunye nelayisenisi yezoBomi, iSigqeba kunye neMpilo. Uhlobo lwelayisenisi umfuno wemveliso luxhomekeke kwinjongo yomshuwalense kwaye uzimisele ukuthengisa.
Umvelisi ofuna ukuthengisa i-inshorensi yobomi angayifumana ilayisenisi yoBomi kuphela.
Ukuba umvelisi ufuna ukuthengisa izinto zokubambisa ubomi kunye nengozi kunye nentsholongwane yomshuwalense, mhlawumbi uya kufuneka ilayisenisi yezoBomi, iNgulane kunye neMpilo. Iindidi zeelayisenisi zinikezelwa zivela kummandla ukuya kwimeko. Amazwe angasebenzisa isigama esahlukileyo kwilo hlobo lwelayisenisi.
Uninzi lwamazwe ludinga ukuba abavelisi bazalise inani elithile labasebenzi bezemfundo ngaphambi kokufumana ilayisenisi.
Ngokuqhelekileyo, umvelisi uzalise ikhosi yokumisela i-prelicensing kwaye iwathatha ukuhlolwa kweelayisenisi. Ukuba umenzi wesicelo udlulisa uviwo, unikwe ilayisenisi. Abanye abavelisi bafumana iilayisenisi ezininzi. Umvelisi ofuna ukuthengisa ubomi bobabini kunye nepropati / i-inshorensi yecala kuyakufuneka ilayisenisi ye-inshurensi yomshuwalense kunye nelayisenisi ye-inshurensi yecala.
Ilayisenisi ye-inshurensi iyasebenza ngokuyiminyaka emibini. Ngokuqhelekileyo, ilayisenisi ye-inshurensi ingahlaziywa kuphela xa umvelisi efezekisa iimfuno eziqhubekayo zemfundo ezichazwe liSebe le-inshurensi yelizwe. I-arhente isenokufuneka ukuba igqibe ukuthetha, iiyure ezingama-40 zemfundo eqhubekayo ngexesha leminyaka emibili ilayisenisi isebenza. Umvelisi unokufumana iindlela ezininzi zokuzalisekisa ezi mfuno. Ngokomzekelo, unokuthatha iiklasi, ukuya kwiisemina okanye ukugqiba izifundo ze-intanethi.
Ngaphambi kokuba ubhale iinkonzo ze-arhente okanye umthengisi, qiniseka ukuba ungumvelisi onikwe ilayisenisi. Unokuqinisekisa ubungqina bendawo yomlimi ngokuqhagamshelana neSebe le-inshurensi yelizwe. Amasebe amaninzi e-inshorensi ahlinzeka ngesixhobo se-intanethi abathengi abangasebenzisa ukuqinisekisa ukuba ilayisenisi yabo yomenzi isebenza.
Imisebenzi kunye noXanduva
Umlimi unomsebenzi onyanzelekileyo wokukunceda (umthengi) ufumane i-inshorensi efanelekileyo.
Ufanele achaze ukuba zeziphi iingxelo ezikhoyo kunye nokwenza iingcebiso. Kumele uthathe isigqibo malunga naziphi iincwadi ezifunayo kunye nokuqhagamshelana nomnqweno wakho kumvelisi. I-arhente yakho okanye umthengisi unyanzelekile ukuba ufumane i-insurance coverages oyikhethile. Ukuba iifayilizo ozenzayo zifani nazo ozicelileyo, umvelisi kufuneka achaze ukungahambelani.
Umkhiqizi wakho unokunganakwa xa engaphumeleli ukukwazisa ukuba i-cover you received you is not what you requested. Umzekelo, uthengisa umgaqo-nkqubo wepropati yoshishino ngegosa lakho le-inshurensi, uJack Jones. Utshela uJack ukuba ufuna ukufaka isakhiwo somgaqo-nkqubo kwipolisi yakho. Ugxininisa ukuba le ngxelo ibaluleke kakhulu kwishishini lakho kwaye kufuneka lifakwe.
Xa uJack ehambisa ipolisi yakho , uyakuqinisekisa ukuba iquka zonke iifowuni ozicelileyo.
Kwiinyanga ezintandathu kamva, isakhiwo sakho esitshiswa sitshiswa ngomlilo. Ufake ibango lempahla kunye ne-insurer yakho. Ngelishwa, isixa osifumanayo kwibango sincinci ngaphantsi kokulindeleke.
Ufumanisa ukuba nangona isithembiso sikaJack, ipolisi yakho ayifaki ukubandakanya isakhiwo somgaqo-nkqubo. Ukuba uyamangalela uJack ngenxa yokunyaniseka, unokuthi abe noxanduva kuwe ngenxa yemali oyayiyiqokelela phantsi kwesikhokelo somgaqo-mboleko ukuba ifakwe ingqalelo.
Umkhiqizi wakho akabophekanga ukuba alindele yonke ingozi emele ivela kwi shishini lakho kwaye akucebise indlela yokuwafihla. Uninzi lwama- agents kunye nabathengi abayi-managers managers. Baxhomekeke kwingcaciso oyinikezelayo ngebhizinisi lakho ukwenza iziphakamiso zengxelo.
Umvelisi unomsebenzi wokunyamekela ngokufanelekileyo ukubeka i-inshorensi yakho nge- insurer . Kwamanye amazwe, umlimi unomsebenzi onokumxwayisa ukuba ufunda ukuba i-inshurensi yakho ibe yimpembelelo yemali . Ngokufanayo, umvelisi unokunyanzeleka ukuba akuxelele ukuba uyazi ukuba umgaqo-nkqubo wakho uza kukhishwa .
Umthengisi kunye neNkohlakalo yokuPhatha
Ininzi yabameli be-inshorensi kunye nabathengisi banokuthembeka, abaqeqeshi abasebenza nzima. Sekunjalo, ii-agents ezikhohlakeleyo zikhoyo. Ukuba ucinga ukuba umkhiqizi wakho wenza ngokungathembeki , kufuneka umxelele kwiSebe lakho le-inshurensi. Nazi ezinye iimpawu zokuba umlimi angenza inkohlakalo yomshuwalense :
- Umlimi uqokelele i-premium kodwa akukho mgaqo-nkqubo okhoyo. Umlimi angafaka isicelo sokuthi ugcina ipolisi yakho "yokugcina."
- Umgaqo-nkqubo ukhutshwe phakathi kwekota kodwa awufumani i-premium yokubuyisela, nangona u-inshurensi uqinisekisa ukuba ukhuphe isheke.
- Umvelisi ukhuthaza ukuba ungenise ulwazi olungamanga okanye olungalungileyo kwisicelo se-inshorensi.
- Umvelisi uthengisa umgaqo-nkqubo ovela kubharensi obonakala ngathi akakho. Usesho lwakho lwe-intanethi yomshuwalense aluvelanga ulwazi.
- I-arhente yongeza inkcazelo kumgaqo-nkqubo ongayifuni kwaye awuyidingi. Injongo yodwa yale nyathelo kukuqhuba i-premium yakho kwaye uvelise ikhomishini ethe xaxa ye-arhente.
- Umvelisi uye wakushukumisela ukuba ufake imali "kotyalo-mali" athi uthetha kakhulu ukuba angadluli.