Olika slag av försäkringsförmedlare

Nedanstående kategorier kan förekomma hos samme försäkringsförmedlare inom ramen för lagen om försäkringsförmedling, därutöver finns former såsom anknuten förmedlare (en förmedlare som ej bär eget ansvar) och flerbolagsombud (förmedlare som har ombudsavtal med flera försäkringsbolag och som agerar på eget ansvar).

Förmedlaren har skyldighet att kategorisera sin tjänst och kategoriseringen avstämd mot faktiskt beteende avgör ansvarigheten. Ett generellt provisionsförbud skulle döda konsumentmarknaden helt, ett förbud för endast vissa kategorier förmedlare eller förmedlingar är svårt att rikta eftersom typiseringen av förmedlare sker kund för kund och/eller affär för affär och förbudet riskerar få effekten att tvinga fram bara förändrade tjänster visavi konsument – marknaden kommer fortfarande att vara provisionsersatt. Ett förbud mot endast oberoende förmedlare kommer att privilegiera det mindre erbjudandet genom tillgång till extern och bättre finansiering, något som knappast kan vara i konsumentens intresse.

THE VARIOUS TYPES OF AGENTS AND BROKERS Insurance agents and brokers fall into a variety of different categories, which can be summarily described as follows: •    General Agent: an agent authorized by an insurer to accept risks, to agree upon and settle the terms of insurance policies, to issue and renew policies, and to modify or waive the terms of existing policies. A general agent has nearly unlimited authority to act on behalf of the insurer that employs him. •    Managing General Agent (“MGA”): an agent authorized by an insurance company to manage all or part of an insurer’s business in a specific geographic territory, or in connection with a particular type of business. An MGA may market an insurer’s policies or products, issue policies, collect premiums, adjust and pay claims, supervise litigation, and negotiate facultative reinsurance agreements. MGAs are best characterized, however, by their authority to independently underwrite and price the insurance programs they manage. •    Special Agent: an agent whose authority to bind an insurer is expressly limited. –    eg., A “sales” or “soliciting” agent is a “special agent” who is ordinarily authorized to sell insurance, take applications for insurance and forward them to the insurer or its general agent, to deliver policies once issued by the insurer, and to collect premiums. He is ordinarily not authorized to agree upon or modify policy terms, to waive policy provisions, or to issue policies. •    Insurance Broker: an independent middleman who typically has contracts with a number of insurers and is compensated by way of commissions paid on the insurance for which he places coverage. Brokers are generally considered to be the insured’s agent. The two types of brokers are “retail brokers” and “wholesale brokers.” – Retail Brokers have the relationship with the insured, for whom they are seeking to place coverage. – Wholesale Brokers are brokers (e.g., surplus lines brokers) to whom retail brokers turn for assistance in placing coverage. Wholesale brokers consider their clients to be the retail brokers who seek their assistance. They will typically have a relationship with one or more insurers’ underwriters, for whom they are attempting to market an insurance program. —

Lämna ett svar

Din e-postadress kommer inte publiceras. Obligatoriska fält är märkta *