KOMPAS.com - Being an insurance agent has become a lucrative option nowadays, and for very good reasons too. Selling insurance products gives a lot of advantages.
According to Ginawati Djunaedi, Chief Agency Officer of Allianz Life Indonesia, there's no special requirement to be an insurance agent. Anyone, from various background, can apply to be an agent. The essentials are our personality and a strong will to achieve success.
You don't have to wait for an opening at the company either. You can apply this instant. The company would welcome your application and process it. Afterward of course there would be trainings. You'd be given materials about company background, insurance products, tips to win customers and how to explain the benefits of insurance, and many others besides.
Training periods differ from one to the other companies. Some have it in just days, some in weeks. After becoming an official agent, the company would still have other trainings in the future to sharpen the agent's skills.
According to Fonny Torar, an insurance agent for Bumiputera 1912's Shared Life Insurance (AJB) is better off already having benefitted from an insurance. Therefore, the agent can perform convincingly during a presentation of the many kinds of insurance products. If you have a regular insurance agent, you can contact the agent so at least you can consult about this possibility.
It doesn't take a big capital
Unlike other businesses, selling insurance products don't take up much capital. You don't have to own a certain amoung of capital to start. All the products are provided by the company. All you have to do is market them to potential customers.
At most, you'd need to spend for transport and communication, and once in a while for entertaining in order to win the customer. If you know several potential customers who know each other, you could gather them all at once, so it's more practical and economic.
Flexible time
Being an insurance agent isn't like being other employees who are bound to certain office hours. Most of an agent's time is spent away with customers. Some visit the customers's home, some to their offices, and some make appointments in malls of cafes.
For this reason, many house-wives are interested in being insurance agents. They can work and gain extra income without abandoning their families. They just need to be careful with time management.
One more thing you need to keep in mind. Flexible working time also means that you must be willing to come to the customer anytime you are required. It's likely that the customer might ask for you to come during weekends. An insurance agent's job also has the aspect of giving the best service for customers.
Although the working hours are very flexible, the company would still impose a rule so that the agent's performance can be monitored. They'd ask for an agent to regularly report all their activities and achievements. If not in person at the office, then the agent can report through phone or e-mail.
Enticing Commission
One of the most attractive aspect of the insurance field is the commission. Though an agent doesn't have a fixed salary, you can earn a living from commissions. The commissions vary according to the sold policies, but generally they're nominally lucrative.
The higher the value of the policy, the more commission they gain. For example, for AJB you can earn a commission of 30 percent from the value of the policy. So if the policy is worth Rp. 10 million, then you're commission is Rp. 3 million.
That's the commission per policy. "If in a month you can sell policies to four people (Rp. 10 million each), then you can earn Rp. 12 million," said Rizal Rais, branch manager of KCE III AJB. This is very profitable, isn't it?
Without spending much, you can gain profit. The starting capitals are only being congenial and diligent in looking for customers. In the future, you can have a brilliant career in this field.
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