一、保險經紀公司是干什么的

保險經紀公司是指依(yi)法成立的(de)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)介機構。他一(yi)方面代表被保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)的(de)利益，為(wei)被保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)設計(ji)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)方案，與(yu)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)商議達成保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)協議。另一(yi)方面，為(wei)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)招攬(lan)業務(wu)，向(xiang)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司(si)收(shou)取傭金。再在保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)市場上，為(wei)分(fen)出(chu)公(gong)司(si)安排分(fen)保(bao)(bao)業務(wu)，向(xiang)分(fen)入公(gong)司(si)收(shou)取再保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)傭金。在日常(chang)工作中(zhong)，保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)經紀公(gong)司(si)還可以向(xiang)投保(bao)(bao)人(ren)提(ti)供防災防損、風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)評估、風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)管理、保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)咨詢或顧問服務(wu)等等。

具體地說，保(bao)險(xian)(xian)(xian)(xian)(xian)經紀(ji)公(gong)司(si)(si)針對(dui)客(ke)戶(hu)的(de)(de)特定(ding)需求，運用自身的(de)(de)專業(ye)優勢，為客(ke)戶(hu)提(ti)供專業(ye)的(de)(de)保(bao)險(xian)(xian)(xian)(xian)(xian)計(ji)(ji)劃和風(feng)險(xian)(xian)(xian)(xian)(xian)管理(li)(li)(li)方案(an)。在同客(ke)戶(hu)簽訂委托協(xie)議后，由保(bao)險(xian)(xian)(xian)(xian)(xian)經紀(ji)公(gong)司(si)(si)組織市場詢價或招(zhao)投標，選擇綜合承保(bao)條件最優越(yue)的(de)(de)保(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)作為承保(bao)公(gong)司(si)(si)。在與保(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)(si)的(de)(de)談判中維護客(ke)戶(hu)的(de)(de)利益，爭取(qu)對(dui)客(ke)戶(hu)的(de)(de)最大優惠。此外(wai)，保(bao)險(xian)(xian)(xian)(xian)(xian)經紀(ji)人還協(xie)助(zhu)客(ke)戶(hu)制定(ding)保(bao)險(xian)(xian)(xian)(xian)(xian)以外(wai)的(de)(de)全面的(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)管理(li)(li)(li)計(ji)(ji)劃。風(feng)險(xian)(xian)(xian)(xian)(xian)管理(li)(li)(li)具有很強(qiang)的(de)(de)專業(ye)性，保(bao)險(xian)(xian)(xian)(xian)(xian)經紀(ji)公(gong)司(si)(si)是國內外(wai)保(bao)險(xian)(xian)(xian)(xian)(xian)市場所公(gong)認的(de)(de)專業(ye)的(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)管理(li)(li)(li)顧問(wen)。

二、保險經紀公司的優勢

1、信息對稱

保險(xian)經(jing)紀平臺(tai)上會提供不同(tong)承保公司(si)的、不同(tong)類(lei)型產品(pin)(pin)給大(da)家挑選。通過保險(xian)經(jing)紀公司(si)，我們可(ke)以獲得更多、更全面的保險(xian)市場信(xin)息(xi)，促進信(xin)息(xi)對(dui)稱，了解(jie)到更優質的產品(pin)(pin)。

2、便于選擇最佳產品

保(bao)險(xian)經紀公司(si)相當于(yu)是中介，這種的(de)(de)好處就(jiu)(jiu)是不(bu)(bu)會像保(bao)險(xian)公司(si)的(de)(de)業務員一(yi)樣，一(yi)味地去(qu)單純的(de)(de)推銷甚至是在保(bao)障方面(mian)去(qu)隱(yin)瞞，而是會根據消費(fei)者的(de)(de)需(xu)求來制定(ding)不(bu)(bu)同的(de)(de)投保(bao)方案，那(nei)么對于(yu)消費(fei)者來說，自然就(jiu)(jiu)可以選擇到(dao)更加(jia)適合的(de)(de)產品以及最佳的(de)(de)投保(bao)方式。

三、保險經紀公司的弊端

1、認知度低

消(xiao)費(fei)者(zhe)(zhe)對于保險經(jing)(jing)紀(ji)公(gong)司(si)的(de)認知(zhi)度(du)是(shi)十分有限的(de)，主要(yao)還是(shi)因為保險經(jing)(jing)紀(ji)公(gong)司(si)大都是(shi)開發的(de)線(xian)上平臺，而消(xiao)費(fei)者(zhe)(zhe)更多的(de)關注點卻在(zai)于產(chan)品本身(shen)以及(ji)背后的(de)承保公(gong)司(si)，所以能夠服務的(de)消(xiao)費(fei)者(zhe)(zhe)也是(shi)比(bi)較有限的(de)。

2、理賠問題

保險經紀公司作(zuo)為一個在保險公司(si)與(yu)消(xiao)費者(zhe)中(zhong)間的(de)(de)平臺，除了提供投保方案之外，消(xiao)費者(zhe)遇到理(li)賠問(wen)(wen)題或者(zhe)是(shi)一些售(shou)后問(wen)(wen)題時，最后還是(shi)要(yao)找(zhao)承保公司(si)解決，甚至有些承保公司(si)分(fen)支機構較少，在問(wen)(wen)題處(chu)理(li)上并不高效(xiao)，給消(xiao)費者(zhe)帶來(lai)一定的(de)(de)售(shou)后問(wen)(wen)題。