Iintlobo zeAgents and Brokers
Esinye isigqibo oya kuyidingeka ukuba senze kukuba ngaba usebenzisa i-arhente okanye umthengisi.
Ama-inshurensi nama-brokers enza imisebenzi emininzi kwaye banemisebenzi efanayo. Bobabini banyanzelekile ukuba bafumane inzuzo yomshuwalense egameni lakho okufanelekileyo kumashishini akho kunye neengqiqo kwixabiso. Bobabini kufuneka baqinisekise ukuba umgaqo-nkqubo oyifumayo uquka iziganeko ezifunyenweyo, kwaye uchaze nayiphi na ingqinani. Nangona kunjalo, kukho ukungafani phakathi kwezi zibini.
Ama-inshurensi angabameli beenkampani zomshuwalense. Amagunya asayina iikontraki , ezibizwa ngokuba izivumelwano ezibophelelayo, kunye nabashuseli. Izivumelwano zivumela i-ejenti ukuthengisa iintlobo ezithile zemigaqo-nkqubo. Ngokuqhelekileyo banamathengisa amagunya ngamagunya athile ababophayo, oku kuthetha igunya lokuqalisa ukukhutshwa. Ngomgaqo-nkqubo ngamnye abawuthengisayo, ii-agents zifumana ikhomishini. Amagunya angabanjwa okanye azimeleyo. Igosa elithunjiweyo limela enye i-inshurensi kuphela, ngelixa i-arhente ezizimeleyo imela amanqabanqabana amaninzi.
AbaRharenti basebenza njengabameli be-inshurensi abathengi.
Abasayine izivumelwano ezibophelelayo kunye nabaqhorensi, ngoko abanalo igunya lokubopha imigaqo-nkqubo. Xa umthengisi enqwenela ukuqalisa ukunika ingxelo kumthengi, kufuneka acele i-inshurensi ukukhupha i-inshurensi . Njengama-arhente, abadayisi bahlawulwa ikhomishini nganye yomgaqo-nkqubo abathengisayo.
Ukufumana i-Intermediary Right
Ukufumana i-arhente elifanelekileyo okanye umthengisi kwi shishini lakho kuquka amanyathelo athile:
- Ukufumana ukuthunyelwa
- Ukwenza ingqalelo engemuva
- Abaviwa abaviwa
- Ukukhetha umviwa ogqwesileyo
Ukufumana iiReferrals
Indlela engcono yokufumana i-arhente okanye umthengisi ngokudluliselwa kumakhasimende anelisiweyo. Nazi ezinye iimithombo zokuqwalasela:
- Abahlobo kunye nabahlobo bezoshishino
- Abahlobo, abamelwane, abahlobo
- Urhwebo okanye imibutho yobungcali
- Iiwebhusayithi ze-inshurensi
Ukuqhuba i-Background Check
Emva kokuba ufumene umviwa onokwenzeka, kuya kufuneka uhlambulule. Umsebenzi wakho wokuqala kukuqinisekisa ukuba i-arhente inelayisenisi evumelekileyo.
Ilayisenisi
Uninzi lweewebhusayithi ze-inshurensi yelizwe zineziko elikuvumela ukujonga imeko yelayisenisi ye-arhente. Qinisekisa ukuba ilayisenisi ye-arhente isebenza. Kufuneka uqinisekise kwakhona ukuba unemvume yokuthengisa uhlobo lwe-inshurensi ofuna ukuyithenga. Ngokomzekelo, i-arhente iya kufuna inkunkuma (okanye ipropati kunye nokulahla) ilayisenisi ukuze ikuthengise umgaqo-nkqubo wentengiso . I-arhente ayiyi kukwazi ukukuthengisa umgaqo-nkqubo wemoto ukuba unelungelo lokuthengisa i-inshorensi yobomi kuphela.
Iwebhusayithi yeSebe le-inshurensi yelizwe linokubonelela ngolwazi malunga naliphi na izikhalazo okanye izenzo zokunyanzelisa eziye zafakwa kwi-arhente.
Iwebhusayithi kufuneka ichaze umphumo weziganeko ezidweliswe.
Usesho lwe-Intanethi
Emva kokuba uqinisekise ukuba i-arhente ilayisenisi ngokufanelekileyo, unokuqhuba uphando lwe-intanethi. Uninzi lwee-inshorensi zigcina iwebhusayithi. Ezinye iiwebhusayithi ziquka iifriographies zeenqununu zeenkampani kunye nabasebenzi. Eminye imithombo yolwazi ifaka amajelo eendaba yoluntu nakwiwebhusayithi yemibutho yezorhwebo, njengombutho wobuNtu bama-inshurensi.
Udliwano-ndlebe Nomviwa Wakho
Ngoku ukuba uzalise ilayisenisi kunye nesitshixo, kufuneka udliwano-ndlebe ne-ejenti kumntu. Nazi ezinye iimbuzo ozozibuza.
- Uyazi kakuhle umshishini wam? I-arhente kufuneka ibe nolwazi olusisiseko loshishino lwakho kunye neengozi ezinxulumene nayo.
- Ziziphi iintlobo ze-inshurensi ozithengisayo? I-agent kufuneka iqhelane neentlobo zeengxelo ezifunayo zezoshishino. I-arhente ejongene nemigqaliselo yamacandelo e-personhood mhlawumbi ayilona ukhetho olufanelekileyo kwishishini. Ukuba inkampani yakho idinga ukukhawulelana okukhethekileyo, njenge-inshorensi yengozi yezopolitiko, qiniseka ukuba i-ejenti iya kuba nakho ukubonelela.
- Usebenze ixesha elingakanani njengegosa? Amava kubalulekile, ngoko ukhethe i-ejenti osele shishini iminyaka emininzi.
- Ziziphi iimpawu ozifumeneyo? Amaninzi amaninzi afumane iinkcukacha ezizodwa kwiinkampani zomshuwalense. Iimzekelo ziPropati eziPhathiweyo kunye neCandelo lokuLawulwa kweziThuthi (CPCU), kunye noMcebisi we-inshurensi oqinisekisiweyo (CIC). Ukuba ikhadi lebhizinisi le-arhente lichaza uludwe ongaqhelekanga kuwe, cela i-ejenti ukuba ichaze oko kuthetha ntoni.
- Ziziphi i-inshurensi ozimelayo? Khangela ukuba iinkampani ze-inshorensi i-ejenti zimele kwaye zikhangele ezo ziqinisekiso zezimali .
- Ngaba unokubonelela ngeenkcukacha? Buza i-arhente ukuba inikezele amagama kunye neenkcukacha zoqhagamshelwano kumakhasimende anelisekileyo ngamashishini afana nawe. Shayela abantu kwaye ucele impendulo yabo.
- Unokuhlangabezana neemfuno zam? Chaza kwi-arhente yintoni na uhlobo lweenkonzo okhangelayo kwaye ubuze ukuba unokubanceda yini. Abanye abanikazi bamashishini bafuna ukunxibelelana ngobuso ubuso nobuso. Abanye bathanda ukuthetha nge-imeyile okanye kwifowuni.
Ukukhetha i-Agent
Unokuphinda uhlaziye inkqubo yokuhlawula ixesha elincinane uze ufumane i-arhente ofuna ukusebenzisana nayo. Khumbula ukuba ubudlelwane obuhle bokusebenza kuthatha ixesha lokuphuhlisa. Unxibelelwano luyintloko. Ukuba awuhlali ujabule nenkonzo yakho inikezelayo, thetha phezulu. Cacisa malunga noko ufuna. Ukuba i-arhente ayiphumeli ukuphendula kwisicelo sakho, kwaye usenelisekile, fumana enye i-arhente.