Unokuthenga ukuthengwa kwe-intanethi , mhlawumbi kwi- inshurensi enye okanye kwi-website enikezela ngemveliso evela kubaninzi bomshuwalense. Enye indlela yokuthenga i-inshorensi evela kwi-agent agent, oku kuthetha ukuba i-ejenti emele umshwalense othile (njengelizwe lonke okanye iFama yeFama).
Ininshurensi inokufumaneka kwakhona ngeqela lezorhwebo okanye umbutho wezobugcisa. Ekugqibeleni, unokufumana ukufumana ingxelo ngegosa elizimeleyo. Ngelixa leyiphi yale ndlela ikwazi ukusebenza, kukho iinzuzo zokusebenzisa i-arhente ezizimeleyo.
Ilayisenisi yoMsebenzi
Enye inzuzo yokusebenzisa i-arhente ezizimeleyo kukuba ungobugcisa obuvunyelwe. Ama-Arhente abakwazi ukuthengisa iimveliso zomshuwalense ngaphandle kokuba banelayisenisi. Ukufumana ilayisenisi, i-arhente kufuneka idlulise uvavanyo lwesizwe. Kukho iintlobo ezahlukeneyo zeelayisenisi, kwaye uhlobo lwelayisenisi i-ejenti incike kwimveliso ayithengisayo. Ngokomzekelo, i-arhente ethengisa i-inshurensi yepropati kunye nenkokhelo iya kufuneka ukuba ifumane ilayisenisi yepropati / yokubulala. Ilayisenisi ngokuqhelekileyo isebenza iminyaka embalwa. Ukuhlaziya ilayisenisi yakhe, i-arhente kufuneka izalise iimfuno eziqhubekayo zemfundo.
Unokuqinisekisa ukuba igosa le- inshorensi ilayisenisi ngokufanelekileyo ngokuqhagamshelana neSebe le-inshurensi yelizwe.
Kwiindawo ezininzi unokujonga imeko yelayisenisi yakho ye-intanethi ngokusebenzisa i-look-up function kwiwebhusayithi yeSebe le-inshurensi.
Ukufikelela kumaBhaki amaninzi
Iinjenisi ezizimeleyo zimela abaxhasi abaninzi. Ngako oko, banokufumana izicaphulo egameni lakho kwimithombo emininzi. Ixabiso kunye nobubanzi bokubhengezwa kwimiqathango inokuhluka kumgaqo-nkqubo ukuya kwenye.
I-arhente yakho inokukunceda uqhathanise imigaqo-nkqubo kwaye ukhethe lowo ufanelana nezidingo zakho.
Enye inzuzo yokusebenzisa i-arhente ezizimeleyo kukuba ii-agent ziyazi ukuba zinjani iintlobo zamashishini aqinisekisayo afuna ukuqinisekisa. Ulwazi lwakho lwe-ejenti yezinto ezikhethiweyo ze-inshurensi linokusindisa ixesha kunye nomzamo. Esikhundleni sokuchitha ixesha lokuthumela izicelo ezingenakunyulwa, i-arhente yakho iya kuhambisa ukuthumela kwakho kubashuwalense abafuna ukuqinisekisa ishishini lakho. Ukuba i-arhente yakho ayiqinisekanga ukuba ishishini lakho lihlangabezana nomkhombandlela wokubhalisa phantsi kwe-insurer, unako ukuthenga isivumelwano somgcini - phantsi phambi kokuba isicelo singeniswe.
Amanye ama-arhente angama-generalists, anikezela ngeenkonzo ezisisiseko ezininzi ezifunekayo. Abanye baxhomekeke kwiziganeko ezithile zeentlobo zamashishini, njengakontraki okanye zokutyela. Uhlobo lwe-arhente oyifunayo luxhomekeke kubukhulu kunye nobunzima boshishino lakho. Amaqela amaninzi azimeleyo anokufikelela kwi- broker line broker . Olu xhumo lunokuba luncedo xa ufuna udweliso olukhethekileyo okanye olunzima ukufumana ukukhutshwa.
Uncedo Ngeebango
Igosa elizimeleyo linika iinkonzo zamabango. Ukuba kwenzeka ingozi, unokwazi ukuxela umcimbi kwi-arhente yakho. I-arhente yakho iya kwazisa i-insurer yakho.
I-arhente yakho inokukunceda uzalise ifom yebango kwaye unokukunxela ukuba kukho ingxaki kwibango lakho. Amagcisa ayaziqhelanisa neenkqubo zokuphathwa kwamabango kunye nemali ehlawulwa ngokubanzi kwiindidi ezahlukeneyo zamabango. Emva kokuba ibango lakho lihlawulwe, i-arhente yakho inokukucebisa ukuba ingaba inani lokuhlawula libonakala lifanelekileyo.
Ukujongisisa ubungozi
Abaqeqeshi baqeqeshwa ekuhloleni ingozi. I-arhente yakho ezizimeleyo iza kuhlaziya imisebenzi yakho yezoshishino kwaye ikuncede ukuba ubone iingozi zayo ezinkulu. I-arhente yakho inokukunceda ukuba ubone ukuba yiziphi iingozi ezibaluleke kakhulu kwaye ingaba ziyazinyameka. Nangona iingozi ezininzi ezinxulumene nokusebenza kwishishini zingabhekiswa yi-inshurensi, ezinye iingozi azizinakunceda. Eminye ingozi ingahlawulwanga kodwa iindleko zingavumelekanga.
Ngokomzekelo, umonakalo kwipropati yakho ebangelwa yimfazwe inokuthi ingenakunceda phantsi komgaqo-nkqubo wepropati yakho .
Ngokufanayo, umgaqo-nkqubo wakho wokuzibophelela awuyi kugubungela izigwebo ezithintela ukulimala komzimba okanye umonakalo wepropati obangelwa ukukhululwa kokungcola okuvela kwindawo yakho. Ngokuxhomekeke kwimeko yoshishino lakho, unokukwazi ukuthenga ukukhutshwa kwemfanelo kwiintlobo ezithile zokulahlekelwa ngcoliseko. Le ngxelo ingaba yindleko. Ukuba awukwazi ukukwazi ukuqinisekisa ingozi ethile, i-arhente yakho inakho ukubonisa iindlela zokuzilawula ukunciphisa ithuba lokulahleka.
INkonzo eYodwa
Njengokuba nayiphi na ingcali yomshuwalense iya kukuxelela, i-inshorensi yoshishino lwabantu. Ngenxa yokuba udibana ne-arhente yakho kumntu, uya kuphuhlisa ubuhlobo bomntu kunye naye. Njengoko i-arhente yakho iba nolwazi ngakumbi kunye nawe kunye nebhizinisi lakho, unokunika inkonzo enomntu okhethekileyo . Ngokomzekelo, i-arhente yakho inokuqhagamshelana nawe xa i-coverage entsha itholakala okanye xa amaxabiso athile yomshuwalense ehla. I-arhente yakho iza kuhlaziya iifayili zakho ngaphambi kokuhlaziywa kwaye ingakhombisa utshintsho okanye uphuculo. Abaninzi abanikazi bamashishini bancinci baqwalasela le ngqalelo.