Conceptsgeneral

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1.who isinsurance agent?

Article 3 para. 1 point 2 of the Act of 15 December 2017 on insurance distribution says "An insurance agent is an entrepreneur other than an agent offering supplementary insurance, entered in the register of agents and performing agency activities under an agency agreement concluded with an insurance company."

Based on Article. 3 sec. 1 point 8 of the Act on Insurance Distribution, the agent is an insurance distributor, therefore his tasks include, among others: on:

• preparatory activities aimed at concluding an insurance contract or an insurance guarantee contract;

• concluding such contracts on behalf of the insurance company;

• participation in cases for compensation or benefits under concluded contracts;

• providing information on insurance.

All tasks of the insurance distributor are defined in Art. 4 sec. 1 and 2 of the Insurance Distribution Act.

 

2. Who is hemultiagentinsurance?

Multiagent - a natural person or company that acts as an insurance agent or agency for several insurance companies. Therefore, a multiagent must have signed contracts with more than one insurance company. Performing agency activities by a multi-agent for more than one insurer gives him the opportunity to compare several offers on the market and choose the offer that is optimal for the client. In this way, a multiagent has an advantage over an insurance agent who presents the product offer of only one insurance company. 

It is worth mentioning that the multiagent's work does not end with the sale of the policy. His activities also cover the entire catalog of after-sales activities, which can include: support in the claims handling process, acceptance of termination of the contract Insuranceor assistance in obtaining a refund of overpaid policy premium. Due to the type of business, the multiagent should have insurance civil liability (OC). 

Practicing the profession of a multi-agent is subject to legal provisions, the Act on Insurance Distribution. An agent may be a person who has never been convicted by a final court judgment, has full legal capacity and at least secondary education and has passed an exam conducted by an insurance company. If the multi-agency is a company in the form of a company - the above requirements should be met by the shareholders, in the case of a company with legal personality, at least half of the members of the management board should meet the mandatory requirements for the profession of an insurance agent. 

3.Who is a credit broker, leasing broker?

Credit intermediaryis a person who works on the customer-bank line, i. He helps the customer in making a choice regarding the best and most advantageous loan, and then monitors its granting.

Leasing Brokeris a person or company that provides brokerage services on behalf of institutions that are lessors. The broker offers clients comprehensive services in the selection of appropriate offers, as well as individual care throughout the duration of the contract. It has offers of many leasing companies. It must have both experience and knowledge of current market conditions, as well as the ability to adjust the offer to the client. It is necessary for the client to clearly define his needs in order to make the right choice of the subject and the leasing company.

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Conceptsinsurance

 

What is thisinsurancezenie?

- a contractual obligation of the insurance company to pay compensation or provide a specific service in the event of certain events occurring in the life, health or property of the insured.

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What is the difference between insurance benefits and insurance claims?

The insurance benefit is included in life insurance. and it is the amount paid by the insurer to the insured or the beneficiary in the event of the occurrence of events specified in the life insurance contract. The amount of the benefit is specified in the insurance policy.​

Insurance compensation, in turn, is a benefit covering property damage, e.g. for damage to a house, flat, car, company.

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Financial concepts

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Legal Terms