Where insurance is taught. Insurance agent. Forms and terms of training

Insurance business (by industry)

Specialty: 38.02.02

Qualification: insurance specialist.

Can insurance business specialist.

Carries out the conclusion and support of insurance contracts for individuals and legal entities, draws up and accompanies insured events (claims settlement) on behalf of and at the expense of insurance organizations.

Much attention is paid to the study by students of legislative, instructive and other normative documents on the organization of insurance activities. Insurance functions and its role in the market economy; basic concepts and terms used in insurance; financial foundations of insurance activities; economic foundations for the construction of insurance rates by type of insurance; the procedure for concluding contracts and transactions for insurance and reinsurance; the procedure for organizing the collection and control of taxes, types of taxes, taxation of insurance organizations; functions and possibilities of using information and telecommunication technologies in the professional activity of an insurance specialist.

A special place is occupied by training in the skills of using regulatory, administrative, legal documentation and reference material in their professional activities. The specialist must be able to: conclude contracts of personal, property insurance, liability insurance, reinsurance contracts and agreements; carry out calculations to determine the main indicators of insurance activities, assess risks; keep records of insurance transactions, draw up reports in accordance with established forms; conduct inspections (audits) of the activities of insurance organizations; use software to conduct insurance transactions; to use computer and telecommunication means.

Education in the specialty insurance (by industry) is practice-oriented and includes a combination of theoretical and practical classes, internship in insurance organizations. Students will gain knowledge that will be useful not only in their professional activities, but also in everyday life.

Advantages of the specialty:

Demand in the labor market.
High level of wages.
Possibility of career growth.

The prestige of the specialty.
Realization of intellectual potential.

Continuing education in the specialty at partner universities.

Professional growth opportunities:

Commodity expert in certification bodies and quality of goods, control and supervision bodies;

Director of an insurance company;

Insurance department administrator;

Insurance agent.

Requirements for the individual characteristics of a student wishing to study as an insurance specialist:

Purposefulness, determination, creativity;

Ability to get in touch, build relationships;

Well-developed analytical skills, the ability to receive and process the necessary information, evaluate, compare and assimilate it;

Self-confidence, in the decisions made, energy,

Clear personal goals.

Competencies :

Implementation of various retail technologies in insurance;

Organization of sales of insurance products;

Maintenance of insurance contracts (determination of insurance value and premiums);

Registration and support of an insured event (assessment of insurance damage, settlement of losses);

Execution of work in one or several professions of workers, positions of employees.

Scope of the specialty:

An insurance specialist can work in insurance organizations of various organizational and legal forms; in state services for the supervision of insurance activities.

Main disciplines studied:

Organization economics

Insurance business

Accounting and reporting in insurance organizations

Taxation

Analysis of economic activities

Revision and control

Students consolidate the acquired theoretical knowledge and skills during educational and industrial practice.

Practice in large partner companies

You will practice in largeinsurance companies and attend master classes of the largest international brands.

SPECIALITY: 38.02. 02 Insurance (by industry)

QUALIFICATION: Insurance specialist

TRAINING PERIOD:on the basis of 9 classes - 3 years 10 months, on the basis of 11 classes - 2 years 10 months.

FORM OF TRAINING: part-time form of study

COST OF EDUCATION: 55,000 RUB in year

EXAMS:competition of certificates

Take advantage of the privileges

FAVORABLE TRAVEL

· 100% EMPLOYMENT

· Go to university without exams

Enter a university on a preferential basis

Just based on the results of the interview! Upon admission to the university partner TSiT No. 29, you will be credited with the years of study at the technical school:

For an insurance agent, a career is primarily about income growth. Many people prefer good earnings to promotion.

Over time, specialists acquire "their" clients, who bring new "their" clients, and so on.

Large insurance companies were much less affected by the crisis than banks. Not only did they not cut their staff, but they are constantly recruiting new employees. And as in any business, you can make a classic career in insurance: start with an insurance agent and rise to the position of the head of the department, or maybe move on.

Speciality -"Insurance business (by industry)"

Specialty code - 38.02.02

Qualifications obtained – insurance specialist

Diploma of education- state diploma of secondary vocational education, established by the Ministry of Education and Science of the Russian Federation

Interesting subjects in the learning process: Insurance business, Accounting in insurance organizations, Legal support of professional activity, Audit of insurance organizations, Finance, money circulation and credit, Taxes and taxation, Life safety, Direct sales of insurance products, Internet sales of insurance policies.

Forms and terms of training:

Full-time on the basis of 9 classes - 2 years 10 months

Full-time on the basis of 11 classes - 1 year 10 months

Extramural (distance) based on 9 classes - 3 years 10 months

Extramural (distance) on the basis of 11 classes - 2 years 10 months

Federal state educational standard in the specialty: Download

FEC is 25 years old

Word - to teachers

In order to improve the quality of the educational process, the College is constantly improving the methodological support of educational programs, which is represented by educational and methodological complexes of disciplines and interdisciplinary courses. At the disposal of students are all the latest methodological developments College teachers, containing innovative elements that reflect a modern approach to education, many of which are stamped by regional methodological associations of teachers in various fields of knowledge.

Kovaleva Natalia VladimirovnaHead of the educational and methodological department of the Financial and Economic College

A college teacher should be an example for his students in everything, including the desire and desire to learn. When you study, you develop, you do not stand still, you keep up with the times. In the learning process, you can enrich your knowledge with new ones interesting facts, ideas, which will then certainly be applied in the development of lectures, practical and independent work to make the learning process fun, create an atmosphere in the lesson when you want to learn.

Olga SidorovaLecturer at the College of Finance and Economics

Student feedback

FEC is a unique college in the city of Perm, where you can develop both professionally and personally. The college provides an opportunity to express oneself at various events, such as olympiads, conferences, competitions, which are held at the regional and all-Russian level, which is an essential indicator in choosing a college. Highly qualified specialists work here, who will always help you and teach you a lot. The teachers are all kind, but demanding. Compared to other colleges in Perm and the Perm Territory, FEC is very comfortable, everything is always new and clean, good interior.

MariaStudent of the specialty "Tourism"

From the first days of college in the PSO specialty, there was never a single feeling of regret or disappointment in their choice. The teachers were able not only to present the material in an easy and accessible way, but also to interest students. During the study of each discipline, teachers did not just dictate lectures for notes, but gave examples from practice on each issue, which was accompanied by discussion, and, as a result, better mastery of the material. In addition to the main activities, there was a wide opportunity to engage in research work, accompanied by a speech at conferences of various levels. The knowledge and experience gained helped me not only to graduate from college with honors, but also to successfully get a job in my specialty.

Imagine, a wall of a neighboring house fell on a car left in a paid parking lot. Nothing was left of the brand new car. And no one is to blame. Or the central bank revoked the licenses of a number of banks, including the one where all your savings remained. There was absolutely nothing left. And again, no one is to blame. It would seem that it is time to "sprinkle ashes on my head" and indulge in despondency. But then you remember that you have insurance, which means that all is not lost.

Then you will remember with gratitude insurance agent, which, since it was on your way in time, and from whose annoying offers (as it seemed to you) you have long dismissed it. What a blessing, you might think, that he managed to persuade you and you nevertheless entered into an insurance contract. After all, only thanks to this you were able to avoid material losses.

As you may have guessed, today we will talk about representatives of the profession of an insurance agent, who seem to us to be losers who have not managed to succeed in life, and in the absence of a better person who chose this job. Is this really so, or is it possible to be an insurance agent by vocation? What difficulties await those who want to choose this profession? What are its features? You will find out all this right now.

What is an insurance agent?

Insurance agent - an authorized representative of an insurance company specializing in the sale of insurance policies and / or the conclusion of insurance contracts with both legal entities and individuals.

The name of the profession comes from the noun fear (from the Proto-Slavic straxъ) and the Latin agens (hunter, detective). That is, an insurance agent is someone who seeks and catches fear, protecting us from anxiety. History insurance agent profession originates in Antiquity. True, then the insurance did not have a commercial motive. The first insurance contracts that extended to sea transportation were concluded by Catherine the Great. Later, the practice of insurance spread to other areas of human life. As a result, today absolutely everything can be insured: house, car, cargo, travel, and even parts of the human body. By the way, the latter is very often used by movie and show business stars. For example, famous football player David Beckham insured his legs, and Jennifer Lopez and Kylie Minogue insured their buttocks.

Basic the duty of an insurance agent is the conclusion of an insurance contract, which describes in detail the size of the insurance premium, as well as payments in the event of an insured event specified in the same document. In addition, an insurance agent must independently find a client and explain to him the usefulness of concluding an insurance contract. In some cases, the insurance agent is also responsible for collecting the insurance premium and paying the insurance compensation.

Insurance agents can be freelance or freelance employees who work for several companies at once. They can also work in the network. This type of activity is especially common in auto insurance. This is due to the fact that in our country the presence of an insurance policy for car owners is mandatory, and insurance through the Internet makes this process as easy and accessible as possible. Moreover, it is planned that in the near future auto insurance will be carried out only via the Internet.

What personal qualities should an insurance agent have?

Insurance agent work associated with communication with a variety of people who need to be convinced of the advisability of concluding an agreement. Therefore, representatives of this profession must be born psychologists. In addition, they must have such personal qualities as:

It is impossible to perform the work of an insurance agent in a quality manner without knowledge of insurance law. After all, a specialist must explain to the client the subtleties of the regulatory and legal side, calculate the possible risks, assess the legal side of the contract and forthcoming payments.

Benefits of being an insurance agent

Talking about the benefits of being an insurance agent First of all, it is necessary to note the free work schedule. Thanks to this, the specialist can independently plan his working day and the degree of work. At the same time, frequent communication with people develops in a specialist everything that is necessary for socialization in society: psychological stability, non-conflict, the ability to communicate, build relationships.

It is impossible not to mention such an advantage of this profession as availability. The fact is that, despite the extensive knowledge that a specialist should have, almost everyone can master all the intricacies of the insurance business. And for this it is not at all necessary to have a higher education. There would be a striving and doing for self-development and self-education.

And of course, this work can be considered not only interesting, but also useful. After all, insurance agents are mostly approached by those people who have something to insure (that is, the wealthy). And these, as a rule, are influential or famous people, acquaintance with whom can be very useful.

Disadvantages of the profession of an insurance agent

The main lack of profession as an insurance agent we can safely call the instability of earnings. The fact is that the income of such a specialist is directly related to the number of contracts he has concluded. Therefore, in order to earn a living, an insurance agent has to "sweat".

In the course of performing their professional activities, insurance agents have to deal with conflict situations that can cause stress and depression. In addition, irritability and pragmatism develops from the constant desire to find as many clients as possible, which can have a negative impact on attitudes towards people in general.

But the main drawback of this profession is that at the very beginning of his career, an insurance agent cannot count on high profits, even if he is looking for clients all day long. The specificity of this work is such that a sufficient level of knowledge and skills can only be acquired by experience, and this is not one day of practically free work.

Where can you get the profession of an insurance agent?

Get the profession of an insurance agent easy and difficult at the same time. Finding and enrolling in special courses, on the basis of which he trains insurance agents, and listening to the theoretical part of the training is not a problem. But not everyone can master the practical exercises. Because of this, many of those who wanted to get this profession were never able to do it.

Of course, you can become an insurance agent without a higher education diploma. However, employers give preference to graduates who already have experience in communicating with people (psychologists, sociologists, economists, educators, etc.). Even more preference is given to specialists with specialized education. This suggests that if you want to succeed in this profession, then it is best not to limit yourself to training on courses, and think about obtaining a specialized education that can be obtained in the best universities in Russia in the specialty "Insurance". These universities include:

Moscow University of Finance and Law;
Pyatigorsk State Linguistic University;
Insurance Institute of the Financial Academy under the Government of the Russian Federation;
School of insurance business MGIMO (U) of the Ministry of Foreign Affairs of the Russian Federation.

35.9

For friends!

reference

Insurance is a way to recover damages. They tried to protect themselves from losses already in the era of the Ancient World. Among the first who wanted to insure themselves and their property were merchants who lived around 550 BC. They moved as part of sea and land caravans, and at any moment they could be overtaken by a shipwreck or an attack by robbers. Now many people are trying to insure their health and property, but especially often athletes and representatives of dangerous professions do it.

Description of activities

The activities of insurance specialists are based on the conclusion of contracts and verification of compliance with its conditions, as well as on the analysis of results and improvement of work methods. These specialists are trying to expand the list of clients, in which they are often helped by various marketing techniques. Depending on the position held, an insurance specialist is engaged in the conclusion of contracts, assesses the damage caused or risks when insuring a particular person, in accordance with the tariff rates, determines the amount of necessary cash payments.

Wage

average for Russia:average in Moscow:average in St. Petersburg:

Labor responsibilities

Labor duties of an insurance specialist involve constant work with documents. He must arrive on time at the place of the conclusion of the contract or the occurrence of the insured event. He should carefully check how the client fulfilled the terms of the contract, calculate the necessary payments. Such an employee may also be responsible for participating in legal proceedings.

Features of career growth

Such specialists work in various insurance agencies and other organizations involved in the design of insurance policies. In addition, an insurer can also be a broker, that is, sell policies not one, but several different insurance companies. As a rule, the level of income of such a specialist depends on the number and conditions of transactions with his clients.

For successful activity in a particular economic sphere, it is necessary to understand the general principles of its functioning and knowledge of the main functions performed. Insurance carries out the accumulation of financial resources in order to effectively use them to solve the following important tasks:

Compensation for damage caused by adverse events.
Provision of regular insurance assistance when a person reaches a certain age or loses his ability to work (retirement benefits).
Providing medical care.
Saving and investing accumulated funds.

Insurance can be personal or property, voluntary or mandatory. Its objects are human life and health, civil responsibility, property and material values. This diversity determines the formation of the corresponding industries and systems of insurance activities.

Successful work as an insurance agent in each of them implies possession of a certain set of professional knowledge and skills.

Insurance is subject to government regulation and is based on financial and civil law... In accordance with the law, insurance activities are carried out by insurance companies or companies that operate on the basis of special licenses.

These can be public or private companies operating both locally and at the federal and even international level. They can specialize in the provision of individual insurance services or cover several segments of the insurance market.

Insurance agents are trained in courses of various lengths or in schools run by insurance companies. Training can be full-time or part-time. The educational process uses modern teaching technologies. It includes trainings, business games. Virtual classrooms, webinars, educational videos are widely used.

Employment

The profession of an insurance agent is included in the "All-Russian Classifier of Occupations of Workers, Positions of Employees and Wage Grades". An agent hired under an employment contract is paid wage for the performance of functional duties.

Insurance agents work for insurance companies and can have different specializations:

personal insurance (life, health, various life events);
property insurance;
liability Insurance;
insurance of business risks.

Insurance agent profession

Speaking about the advantages of the profession of an insurance agent, first of all, it is necessary to note the free work schedule. Thanks to this, the specialist can independently plan his working day and the degree of work.

READ ALSO: Insurance company Geopolis - addresses of branches in cities

At the same time, frequent communication with people develops in a specialist everything that is necessary for socialization in society: psychological stability, non-conflict, the ability to communicate, build relationships.
.

The main disadvantage of the profession of an insurance agent can be safely called the instability of earnings. The fact is that the income of such a specialist is directly related to the number of contracts he has concluded. Therefore, in order to earn a living, an insurance agent has to "sweat".

Getting the profession of an insurance agent is both easy and difficult. Finding and enrolling in special courses, on the basis of which he trains insurance agents, and listening to the theoretical part of the training is not a problem. But not everyone can master the practical exercises. Because of this, many of those who wanted to get this profession were never able to do it.

Obligations of an insurance agent

They are a lot like the responsibilities of a sales manager in that they are selling services. The duties of an insurance agent are as follows:

active sales (customer search, telephone and personal negotiations, conclusion of contracts);
maintenance of the existing customer base (extension and expansion of insurance agreements);
advice on the specifics of various types of insurance;
document management (contracts, invoices, acts, etc.);
solution of issues related to damage assessment and insurance payments;
analysis of the reasons for violation of contracts and taking measures to eliminate them.

Also, the functions of an insurance agent may include:

preparation of statistical reports - weekly, monthly, annual;
collection of insurance payments.

What you need to know and be able to

A successful agent of an insurance company is, first of all, a competent specialist with comprehensive knowledge of the promoted insurance product and methods of insurance protection. But when working with clients, the requirements for personal qualities come to the fore.

The most important thing is the ability to build trusting contact with a potential policyholder. The client must trust the company and to a large extent it depends on its representative.

The agent must demonstrate goodwill and attention, have a disposable appearance, show patience and a willingness to resolve conflict situations.

Equally important are planning skills, willingness to learn, persistence and energy. And in order for the work to bring material and moral satisfaction, it is necessary to have an interest in insurance activities as a profession and a desire to work and earn money.

Where to begin

So, after getting an initial understanding of the profession of an insurance agent, assessing all the pros and cons, the question "how to become an insurance agent?" acquired the strength necessary to bring it to life.

To begin with, it is advisable to decide on the choice of the company in which you would like to work. It is prudent for a newcomer to contact organizations that have a long-standing positive reputation in the insurance market and provide an opportunity to receive initial training.