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What is an Insurance Advisor?
An insurance advisor is a mediator between the insurance provider and the policyholder. These agents have in-depth knowledge of insurance products and plans. They advise clients regarding the best product depending on their insurance needs, financial goals, affordability, and risk tolerance. They assess the level of insurance coverage, suggest suitable plans, and explain the terms of the plan, such as policy tenure, beneficiary details, premium allocation, surrender value, payout options, exclusions, and claim procedures. They help the clients through the application process from filling out the application to the policy issue. Whenever the client files a claim, the advisor life insurance assists them with the claim procedure and ensures a smooth claim settlement.
Role of an Insurance Advisor
The role of an insurance agent is manifold. They are:
Assessing the Insurance Needs of the Proposers
The insurance advisors have to interact with the proposed policyholders to understand their insurance needs, affordability, risk tolerance, and financial objectives. They should suggest the right coverage to suit the client’s circumstances.
Giving Detailed Information
Since investment in a life insurance plan is to ensure the financial stability of the family, the right coverage has to be chosen. The advisor life insurance has to provide accurate information about the medical examination, premium allocation for the sum assured, policy tenure, death benefits, surrender value, beneficiary details, loan options, exclusions, and claim procedures.
Maintain Secrecy
The insurance agent should maintain the secrecy of the client’s personal and financial details.
Filing a Claim
If you are unsure about the claim process, the insurance advisor will support you through the process.
Who Can Become an Insurance Advisor?
If you are aspiring for a promising career or looking for a source of parallel income, becoming an insurance advisor is a great option. A salaried or self-employed individual, housewife, and businessman can become an insurance advisor.
- The aspirant should have completed the 10th Grade Examination.
- Candidates should be 18 years and above.
- If the age and educational requirements are met, the candidate should complete the training from an IRDAI-approved institution and pass the IRDAI certification examination.
- The candidates might also have to obtain a licence specific to a State.
- Some insurance companies might have additional requirements before you can start your career as a financial professional in the life insurance industry.
Why Become an Insurance advisor with HDFC Life?
There are several compelling reasons to choose HDFC Life as an advisor life insurance. They are:
Work from Anywhere and at Any time
- Financially Independence
Advanced Technology Support
Be a Positive Influence
In-house Support
Performance Recognition
With flexible working hours, you can choose to work at your convenience.
You earn a commission commensurate to the business you garner for the company.
Their digital tools help you reach out to customers across the country, book appointments, discuss products, and track your commissions.
With multiple products to match various needs, you can lead individuals to long-term financial security by guiding them to choose the right product.
The in-house support grooms and fine-tunes your skills.
They applaud top performers with rewards and incentives.
Steps to Become an Insurance Advisor
The steps to how to become insurance agent are as follows:
Submit an Application
If you satisfy the eligibility criteria, fill out an application form.
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Complete the Documentation
Provide valid address proof, age proof, education proof, PAN, and passport-size photographs.
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Undergo Pre-Licence Training Programme
Undergo the pre-licence IRDAI training programme. The programme covers coursework for insurance policies, sales techniques, regulations, and ethics.
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Taking up the IRDAI Exam
Pass the IRDAI Exam.
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Appointment Letter
You receive an appointment letter on the completion of the prescribed agency process.
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Benefits of being a DigiFC*
Financial freedom
Earn commissions and incentives while you expand your reach and grow your business.
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Flexible work hours
Choose where to work, when to work - from your home or office. At your pace, as per your schedule.
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Innovative technology
Our state-of-the-art digital tools will help you reach your customers anywhere. Schedule appointments, discuss opportunities, and track your commissions instantly.
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Make an impact
Great opportunities to make a huge difference in the lives of others by helping them choose the right financial products to save and secure their future.
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Get skilled & groomed
We make you financially ready and groom you to achieve growth and success.
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Rewards & Recognition
We recognize performance and reward success through awards, incentives, and various programs held nationally and internationally.
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Training
Our skilled trainers teach you the A-Z of insurance, products, processes and assist you in managing your business calls and meetings.
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Professional Guidance
You will be assigned a dedicated Relationship Manager from the beginning. Further, you will also be a part of a well-designed orientation program with relevant training to meet your goals.
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Service Support
Your dedicated Relationship Manager will continue to support, guide and help you track business, your earnings, and help you deliver a seamless customer experience.
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Success Stories of our DigiFCs
Here are some stories of successful insurance agents:
Sivaramakrishnan A N-Consultant
Be your own Boss! With no up-front monetary Investment. DigiFC is the answer!
Paul Thekkekara-Consultant
Partnering with DigiFC, HDFC Life has been a transformative decision for me.
Shweta Dubey-Consultant
I had a positive experience and helped me for personal and professional growth.
Jordan Alfred Andrades-Consultant
The decision to join DigiFC - HDFC Life has been a game-changer for me.
FAQs on Insurance advisor
1 What is an agent in life insurance?
An insurance agent is a professional who sells insurance policies on behalf of the insurer. The agent understands the client’s insurance needs and suggests the right plan to align with the client’s financial goals, affordability, and risk tolerance. He explains the terms and regulations of various plans for an informed decision.
You can be an independent agent or an exclusive agent. An Independent agent represents several insurance companies whereas an exclusive agent is hired by an insurance company to sell their products.
2 What is the commission for an insurance advisor?
An insurance advisor’s commission is a percentage of the premium or the policy value. It depends on the insurance company, type of plan, and the State. The commission can be 10% to 20% or even higher, depending on the insurance company they represent.
3 What is the qualification of an insurance advisor?
The qualification of an insurance agent is the 10th Standard Pass. However, some insurance companies give preference to candidates who have completed college education and have sales experience.
4 How do insurance agents get clients?
Building clientele is the critical aspect for an insurance agent to build revenue. Talking to family and friends can be the starting step. Promoting word of mouth can enhance business. Referrals are a great way to bring in new clients. Advertising and leveraging online opportunities are other avenues.
*Financial consultant (FC) is an individual appointed by HDFC Life under IRDAI (Appointment of Insurance Agents) Regulations, 2016.
ARN: DM/03/25/22703