Insurance Claims Agent

I am still learning the basics a great deal, but understand the need to exist and how it provides answers in need. I chose this industry based on skills that I found being underused in the past and very appealing to exercise.

Well, this would be my first job but if a customer irritated me I wouldn't show it. I would still treat them like everyone else and make sure they leave satisfied with their experience.

Work related- I was having this challenge whereby a certain family was having those individuals who were not willing that a postmortem be conducted to their family member, I was suppossed to intervene to deal with this situation. I tried to explain to their elders the importance of the postmortem, I manage to knock some sense into their minds and the postmortem was conducted.

Before I trained to enter the insurance industry, I was a customer service representative at a large call center. Our clients included both insurance clients and also some tech industry support for cellular phone contracts and warranty services. Both of those client groups involve a lot of negotiation with customers from a call center’s perspective, and they both taught me how to adjust a customer’s expectations politely, while explaining why it is important that we do so.

My interview was more or less on the floor, I guess. They asked me to make a phone call and to see if I could sell. I did, I ended up calling a business. I ended up talking to the business owner. I ended up getting a quote for him. Through that my boss was like, “Okay we understand that you can do that. Try doing a residential.” I got a quote through them and therefore I did my job in front of them. I showed them that I was capable of doing it.

Luckily, this is an area where I do have a lot of experience. If I’ve already explained what happened and why I need to make the adjustment, the next step is to give clients the space they need to ask questions. By fielding their concerns and addressing them, hopefully we can bring the clients to the point where they understand. Failing that, it is necessary to keep my own cool as I point out what led to this determination.

I am a descipline person, I've got a tendency of pushing myself to hard to meet deadlines set by the company and I work to my utmost best to achieve the task given by the manegement.

Some sort of counselling, customers are most of the time unhappy with the delay, try to be quite and have patience and learned what customer realy want.

Participating policy is a policy, where the profit or benefits of the insurance company is shared with the insured in theform of a dividend or reversionary bonuses. While, the non-participating policy, does not share their profit with insured.

I ask them questions to figure out their thought process so I can understand why they don't agree. Then I can explain the differences with my point of view and how it may be better in a positive way.

This is one of those areas in which an independent agent may have an edge. If your agent believes the insurance was wrong in denying a claim, she should step in and lobby on your behalf. When an agent represents one company, she may not want to put up too big a fight or could wind up out of business. An independent agent, meanwhile, has the threat of moving business to another company.

Under any circumstances, beyond knowing how an agent will help in processing claims, you want to know if they will go to bat for you when a claim goes against you.

This is a big issue with life insurance products, for which the agent is going to get a big cut of what you spend up front to buy coverage. A big chunk of your first premium payment is going to the advisor, no matter what, so be sure the agent has shown you several options and given you the information necessary to pick the best one for you. That won't necessarily be the policy that provides the agent with the biggest payday.

It is safe to pay the premium through your agent as far as you are making the payment through cheques on the name of Insurance Company and receiving all the receipts for the payments.

‘Contestable period’ is usually 1 or 2 years, during which the insurance company holds all the right to investigate the policy and decide whether to pay or not to pay to the insured.

Yes, many times. Sometimes they were helpful and sometimes they were not. It all depends on the place or doctor.

If an agency is big enough, the salesman may only close the deal, leaving subordinates or clerical staff to do the actual paperwork and much of the research. If that's the case, find out who will have responsibility for your account.

Beneficiary is the one whom you have nominated for the insured amount in case of your death.