What do you need to be an insurance agent?

The rights of insurance agents arise from accepting the entrustment of insurers and signing insurance agency contracts. Mainly in the following aspects:

(1) The right to enjoy equal legal status with the insurer.

Therefore, as far as the insurance agency relationship is concerned, the insurance agent is neither subordinate to nor subject to the insurance company, but has equal legal status with the insurer. (2) the right to receive remuneration for labor services.

This is the most basic right enjoyed by insurance agents, who have the right to claim commissions from insurers for their labor for insurance agency business. (3) Litigation rights, insurance agents have the right to protect their legitimate rights and interests from infringement.

. When the civil tort of the insurer or the third party damages the interests of the insurance agent, the insurance agent has the right to bring a lawsuit.

(4) the right to refuse illegal requests.

. An insurance agent has the right to refuse illegal agency matters. For example, if an insurer asks an insurance agent to take advantage of his position or other improper means to induce insurance or change the insurer, the insurance agent has the right to refuse. (5) the right to independently carry out business activities.

An insurance agent has the right to decide on his own how to negotiate business with the insured within the scope of authorization stipulated in the agency contract. For example, on the premise of ensuring the underwriting quality, insurance agents have the right to choose their own policyholders, and they also have relative autonomy in underwriting time and region. The insurer shall not deny the insurance policy signed by the agent within the scope of authorization. Insurance legislation generally requires insurers to publicly authorize, so that the public can know the agency authority of insurance agents, and its purpose is to protect the legitimate rights and interests of the insured.

6. The right to terminate the contract.

On the premise of not harming the fundamental interests of the insurer, the insurance agent may unilaterally propose to terminate the agency contract on the basis of mutual consultation with the insurer.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.