一、保險經紀人靠什么賺錢

很多人不知道保險經紀人收入(ru)的(de)來源，其實保(bao)(bao)險經(jing)紀(ji)人收入(ru)來源于(yu)兩部(bu)分(fen)。首先是保(bao)(bao)險公司所(suo)付的(de)傭金；其次(ci)是服務費(fei)。由(you)于(yu)有(you)償知識(shi)服務在(zai)中(zhong)國(guo)現在(zai)并不很受待見，所(suo)以目(mu)前(qian)來看(kan)，保(bao)(bao)險經(jing)紀(ji)人絕大部(bu)分(fen)收入(ru)來源是傭金。

二、保險經紀人傭金誰支付

保(bao)(bao)險(xian)(xian)(xian)(xian)經紀(ji)人傭金由(you)保(bao)(bao)險(xian)(xian)(xian)(xian)人出。在保(bao)(bao)險(xian)(xian)(xian)(xian)市場上，主要是由(you)保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司支付(fu)保(bao)(bao)險(xian)(xian)(xian)(xian)經紀(ji)人的傭金，就是說保(bao)(bao)險(xian)(xian)(xian)(xian)經紀(ji)人在代客戶向保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司投(tou)保(bao)(bao)之后，保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司從保(bao)(bao)費中提取一定比例給保(bao)(bao)險(xian)(xian)(xian)(xian)經紀(ji)人。

三、保險經紀人傭金支付標準

作為中介的保險經(jing)紀人主要(yao)以收取傭金為利潤來源，各國對此有不同(tong)的規定(ding)。

在英國，傭金(jin)率(lv)是由保(bao)險(xian)人(ren)和(he)經(jing)紀(ji)人(ren)協商(shang)確(que)定(ding)，監管(guan)機(ji)關(guan)不規定(ding)傭金(jin)率(lv)的幅(fu)度(du)(du)。如果投保(bao)人(ren)要求(qiu)獲知(zhi)保(bao)險(xian)人(ren)所支付的傭金(jin)金(jin)額，保(bao)險(xian)經(jing)紀(ji)人(ren)應及時向投保(bao)人(ren)披露(lu)。現在英國也(ye)逐步(bu)采(cai)用了雙方通過(guo)討價還價協商(shang)收取傭金(jin)的制度(du)(du)。

在美國，保險經(jing)紀人根(gen)據不(bu)同(tong)的險種收取(qu)不(bu)同(tong)比例的傭(yong)金(jin)，一般收取(qu)傭(yong)金(jin)的方式(shi)主要是按照保險費比例支(zhi)(zhi)付(fu)傭(yong)金(jin)或(huo)按賠付(fu)率支(zhi)(zhi)付(fu)利潤分享傭(yong)金(jin)。傭(yong)金(jin)支(zhi)(zhi)付(fu)標(biao)準(zhun)通(tong)常根(gen)據保險公(gong)司(si)經(jing)營的業(ye)務、性質和種類等因素(su)不(bu)同(tong)分別來(lai)確定。

在韓國，保險經(jing)(jing)紀人的傭(yong)(yong)金由保險人支付，保險經(jing)(jing)紀人需(xu)將傭(yong)(yong)金等相關內容進行記(ji)賬(zhang)，以供投保人查(cha)閱(yue)，法律(lv)禁止(zhi)保險經(jing)(jing)紀人向投保人收取中介手續(xu)費或其他費用。

在我國，保險經紀公司按照(zhao)雙方當事(shi)人(ren)(ren)(ren)的約定(ding)來收(shou)(shou)取經(jing)(jing)紀(ji)傭(yong)金(jin)，其報酬收(shou)(shou)入與服務內容緊(jin)密相連。如果保(bao)(bao)險(xian)(xian)(xian)(xian)經(jing)(jing)紀(ji)公(gong)司(si)應投保(bao)(bao)人(ren)(ren)(ren)要求代(dai)為(wei)(wei)辦理(li)投保(bao)(bao)手續(xu)，則(ze)可從保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)處收(shou)(shou)取傭(yong)金(jin)，但不能就(jiu)訂立保(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同向投保(bao)(bao)人(ren)(ren)(ren)和(he)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)同時(shi)收(shou)(shou)取報酬；如果為(wei)(wei)被保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)代(dai)辦索賠(pei)等手續(xu)，應由被保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)支付傭(yong)金(jin)；如果向客戶提供風(feng)險(xian)(xian)(xian)(xian)評估，風(feng)險(xian)(xian)(xian)(xian)管理(li)咨(zi)詢服務，則(ze)由客戶支付咨(zi)詢費，保(bao)(bao)險(xian)(xian)(xian)(xian)經(jing)(jing)紀(ji)公(gong)司(si)不得擅自提高或(huo)變相提高傭(yong)金(jin)標準。