Agent Versus Broker
Abaphathi kunye nabathengi basebenza njengabameli phakathi kwakho (umthengi we-inshurensi) kunye nabatshutshisi bakho. Ngamnye unomsebenzi osemthethweni wokukunceda ukuba ufumane ingxelo efanelekileyo ngexabiso elifanelekileyo. Ngamnye kufuneka abe nelayisenisi yokusabalalisa uhlobo lwe-inshurensi ayithengisayo. I-arhente okanye umthengisi kufuneka ahambelane nemimiselo equlunqwe liSebe le-inshurensi yakho.
Uhlobo oluphambili phakathi komthengisi kunye ne-arhente lithetha ntoni na. I-arhente imela enye okanye ezininzi iinkampani zinshuwalense. Usebenza njengesandiso somshuwalense. Umthengisi, ngakolunye uhlangothi, umele umthengi we-inshurensi.
Agents
Amagosa angabanjwa okanye azimeleyo . Igosa elithunjiweyo limela enye inshurensi. Amagqwetha amela i-Allstate okanye iFama yeFama ngamagosa athunjwa. Igosa elizimeleyo limela amaninzi aqinisekisayo.
Ukuthengisa iimveliso ze-inshurensi egameni lomshuwalense othile, i-arhente kufuneka ibe ne-aphoyintimenti kunye nalowo mshwalense .
Isivumelwano sivumelwano sesivumelwano esichaza imveliso ethile i-arhente enokuthengisa. Ikwacacisa kwakhona iikomishoni i-insurer iya kuhlawula nganye imveliso. Inkontileka ngokuqhelekileyo ichaza igunya elibophezelayo le-ejensi, elithetha igunya layo lokuqalisa umgaqo-nkqubo kwi-insurer.
I-arhente inokuba nemvume yokubopha ezinye iintlobo zokubhengezwa kodwa kungekhona abanye.
AbaRharenti abaqeshwanga ngabashurensi. Bacela ukucaphulwa kwe-inshorensi kunye / okanye imigaqo-nkqubo evela kubaqhankqalazi ngokuthumela izicelo ezigqityiweyo egameni labathengi. Abathengi abanalo igunya lokubopha ingqalelo. Ukuze uqalise umgaqo-nkqubo, umthengisi kufuneka afumane ibhinki evela kumgcini-mali. Isithintelo ngumqulu osemthethweni osebenza njengenkqubo yomshuwalense wexeshana. Ngokuqhelekileyo isebenzela ixesha elifutshane, ezinjengeentsuku ezingama-30 okanye ezingama-60. Isithintelo asivumelekanga ngaphandle kokuba sisayinwe ngummeli we-inshurensi. I-binder ishintshwa ngumgaqo-nkqubo.
Abathengisi bangaba ngabadayisi okanye abathengi. Umrhwebi wempahla uthengisa ngqo nabathengi bomshuwalense. Ukuba uhambele umrhwebi, ngubani owakufumana i-inshorensi egameni lakho, ungumthengisi weentengiso. Kwezinye iimeko, i-arhente yakho okanye umthengisi angakwazi ukufumana i-inshorensi egameni lakho kwi-insurer. Kweso siganeko, unokuqhagamshelana nomthengisi jikelele. Abadayisi beebenzi bezentengiselwano bazibandakanya kwiintlobo ezithile zokufikelela. Uninzi lwabaqhubi beetrafti ezigqithisiweyo , abalungiselela izigulane ezibangelwa ingozi engavamile okanye eyingozi. Imimiselo yintengiso yomshuwalense wemfanelo yomenzi wesithuthuthu kunye nekharityhulam yomthwalo wemfanelo yecala elide elide.
IiKomishini
Nangona ezinye iimbopheleleko zithunjiweyo zihlawulelwe, amaninzi amanxusa kunye nabathengi baxhomekeke kwiikomishini zengeniso. Iikhomishini zihlawulwa ngeeprayimari ezihlawulwe kubaphathi-nkqubo ngabagcini-bhankanyi. Ezi zibandakanya ii-commissions zee-base kunye nee-commissions ezikhoyo.
Ikhomishoni yeBaseti yikhomishini "eqhelekileyo" eyayifumana kwimigaqo-inshorensi. Ikhomishana yaseBase ishicilelwe ngokwepesenteji ye-premium kwaye ihluke ngohlobo lokubhengezwa. Ngokomzekelo, i-arhente inokufumana into, ikhomishini ye-10 yeepesenti kwimigaqo- ntlawulo yemisebenzi kunye neepesenti ezili-15 kwimigaqo-nkqubo yemfanelo . Masithi uthengisa umgaqo-mboleko kwi-Elite Insurance Company ngokusebenzisa i-Arhente yaseJones, i-arhente emele. UJones ufumana ikhomishini ye-15 yeepesenti malunga nemigaqo-nkqubo yemfanelo. Ukuba i-premium yakho yemali yonyaka i-$ 2,000, uJonas uqokelela i-$ 2,000 evela kuwe kwaye agcina i-$ 300 ekuthumeni.
UJones uthumela i-$ 1,700 ekhoyo kwi-insurer.
Ukukhuthaza abameli ukuba babhale ishishini elitsha , abanye abatshorensi bahlawula ikhomishini ephakamileyo kwimigaqo-nkqubo emitsha kunokuba bahlaziywe. Ngokomzekelo, i-inshurensi ehlawula iipesenti ezili-10 kumgaqo-nkqubo wokuhlawula umqeshwa omtsha unokuhlawula kuphela iipesenti ezi-9 xa umgaqo - nkqubo uphinde uhlaziywe .
I-Contingent okanye i-incentive ithumela ama-agent kunye nomthengisi wokuvuza ukufezekisa umthamo, inzuzo, ukukhula okanye ukugcinwa kweenjongo ezisungulwe ngu-inshurensi. Ngokomzekelo, i-Elite Intshumo ithembisa ukuhlawula i-Arhente yaseJones enye ikhomishoni ye-3% xa i-Jones ibhala i-$ 10 yezigidi kwimigaqo-nkqubo entsha yexesha elithile. Ukuba uJones uvuselela iipesenti ezingama-90 zezo migaqo xa ziphela, i-Elite iya kuhlawula uJones kwikhomishini engaphezulu kwe-2.
Iikomishoni eziphambili ziphikisana. Enye into, abadayisi bamele abathengi bomshuwalense. Abanye abantu baxabana ukuba abadayisi kufuneka bangamkeli amakhomishana athile. Ngaphezu koko, abanye abathengi baqokelele iikhomishana ezingekho ngaphandle kokwazi kwabaxhasi babo. Enye ingxaki kukuba iikomishoni ezinokuthi zinike i-brokers (kunye nee-agents) inkuthazo yokubambisa abathengi kwiimigaqo-nkqubo ezixhamla ngokukhethekileyo umthengisi. Ukuba ama-arhente kunye nabathengi bamkela amakhomishana athile, kufuneka baxelele eli qiniso kubaphathi-nkqubo. Abanye abathengi banqamle iikhomishini ngoku.
I-arhente yakho okanye umthengisi kufuneka akunike ingxelo yesibonelelo sokubhengezwa kwemali echaza iintlobo zeekomishoni okanye i-brokerage efumana kwi-insurers. Olu xwebhu kufuneka luchaze ukuba i-arhente okanye i-brokerage ifumana iikomishoni ziseko kuphela, okanye ukuba zifumana iikomishoni ezixhasayo.
Abalobi abaziintloko
Abanye abaqinisekisayo bathengisa iinkqubo ngqo kubathengi be-inshorensi ngaphandle kokusebenzisa ii-agents okanye abadayisi njengabahambeli. Aba bhokrisi babizwa ngokuba ngababhali abaqondayo . Abalobi abaninzi abaqondayo bajolise kwiinkcazo ezizimeleyo njengabanini bezindlu kunye nemigaqo-nkqubo yemoto. Nangona kunjalo, ezinye zibonelela ngeenkonzo zorhwebo kwiinkampani ezincinci
Inshorensi yobomi
Amagcisa kunye nabathengisi abathengisa i-inshorensi yobomi banokufumana ama-commissions. Nangona kunjalo, i-ejenti yobomi ifumana ininzi yikhomishini ayenzayo ngunyaka wokuqala womgaqo-nkqubo. Ikhomishini ingaba ngama-70 ekhulwini ukuya kuma-120 ekhulwini kwi-premium ngonyaka wokuqala, kodwa iipesenti ezi-4 ukuya kuma-6 ekhulwini kwi-premium yokuhlaziywa.