一、保險經紀公司是干什么的

保險經紀公司是指依法(fa)成立的保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)中介機構。他一(yi)(yi)方(fang)(fang)面(mian)代表被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)的利(li)益，為被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)設計保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)方(fang)(fang)案(an)，與保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公司(si)商議(yi)達成保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)協(xie)議(yi)。另一(yi)(yi)方(fang)(fang)面(mian)，為保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公司(si)招攬業務，向(xiang)(xiang)(xiang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公司(si)收(shou)取傭(yong)金。再在(zai)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)市場上(shang)，為分(fen)出公司(si)安排分(fen)保(bao)(bao)(bao)業務，向(xiang)(xiang)(xiang)分(fen)入公司(si)收(shou)取再保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)傭(yong)金。在(zai)日常工作中，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)經紀公司(si)還可以向(xiang)(xiang)(xiang)投保(bao)(bao)(bao)人(ren)提供防災防損、風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)評(ping)估、風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)管理、保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)咨(zi)詢或顧問服(fu)務等(deng)等(deng)。

具(ju)體地說，保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經紀公(gong)(gong)司(si)(si)(si)(si)針對客戶的(de)(de)(de)特定需求，運用自身(shen)的(de)(de)(de)專業(ye)優(you)勢(shi)，為客戶提供專業(ye)的(de)(de)(de)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)計劃(hua)(hua)和風險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)方案。在同客戶簽訂委托(tuo)協(xie)議后，由保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經紀公(gong)(gong)司(si)(si)(si)(si)組織市場(chang)詢價或(huo)招投標，選擇綜合承(cheng)保(bao)(bao)條件最優(you)越(yue)的(de)(de)(de)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)作為承(cheng)保(bao)(bao)公(gong)(gong)司(si)(si)(si)(si)。在與保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)的(de)(de)(de)談(tan)判(pan)中維(wei)護客戶的(de)(de)(de)利益(yi)，爭取對客戶的(de)(de)(de)最大優(you)惠。此外，保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經紀人還協(xie)助客戶制定保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)以(yi)外的(de)(de)(de)全(quan)面的(de)(de)(de)風險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)計劃(hua)(hua)。風險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)具(ju)有很強的(de)(de)(de)專業(ye)性，保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)經紀公(gong)(gong)司(si)(si)(si)(si)是(shi)國內外保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)市場(chang)所公(gong)(gong)認的(de)(de)(de)專業(ye)的(de)(de)(de)風險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)(li)顧問。

二、保險經紀公司的優勢

1、信息對稱

保險經紀平臺(tai)上會(hui)提供不(bu)同(tong)承保公司的、不(bu)同(tong)類型(xing)產品(pin)給(gei)大家(jia)挑(tiao)選。通過(guo)保險經紀公司，我們(men)可以獲得更多、更全面的保險市場(chang)信息，促進信息對稱，了解到更優質的產品(pin)。

2、便于選擇最佳產品

保(bao)險經紀公(gong)司(si)相(xiang)當于是(shi)中(zhong)介(jie)，這種的(de)好處就是(shi)不(bu)會(hui)像保(bao)險公(gong)司(si)的(de)業務員一(yi)樣，一(yi)味地去(qu)單(dan)純的(de)推銷甚至是(shi)在保(bao)障方(fang)(fang)面去(qu)隱瞞(man)，而是(shi)會(hui)根據(ju)消(xiao)費者(zhe)的(de)需求來(lai)制定不(bu)同的(de)投保(bao)方(fang)(fang)案，那么對于消(xiao)費者(zhe)來(lai)說，自然就可以選擇到(dao)更加(jia)適合的(de)產品以及(ji)最佳的(de)投保(bao)方(fang)(fang)式。

三、保險經紀公司的弊端

1、認知度低

消(xiao)(xiao)費(fei)者對于保險經紀公(gong)司(si)的(de)(de)認知度是(shi)十(shi)分有限的(de)(de)，主(zhu)要(yao)還是(shi)因為保險經紀公(gong)司(si)大都是(shi)開(kai)發(fa)的(de)(de)線(xian)上平(ping)臺，而(er)消(xiao)(xiao)費(fei)者更多(duo)的(de)(de)關注點卻在(zai)于產(chan)品本身以及背后(hou)的(de)(de)承(cheng)保公(gong)司(si)，所以能(neng)夠服務的(de)(de)消(xiao)(xiao)費(fei)者也是(shi)比較有限的(de)(de)。

2、理賠問題

保險經紀公司作為一(yi)個在保險公司與消費(fei)者中(zhong)間的平臺，除了提供投保方案(an)之外，消費(fei)者遇到(dao)理賠問(wen)(wen)題(ti)或者是一(yi)些(xie)售后問(wen)(wen)題(ti)時，最后還是要找承保公司解決，甚至有些(xie)承保公司分支機(ji)構較少，在問(wen)(wen)題(ti)處理上(shang)并(bing)不高效，給消費(fei)者帶來(lai)一(yi)定的售后問(wen)(wen)題(ti)。