According to the data of the Insurance Institute of the All-Russian Union of Insurance
Posted: Sun Jan 19, 2025 6:06 am
According to the data of the Insurance Institute of the All-Russian Union of Insurance
Services like Uber are often called job killers. But I don’t think the insurance agent profession will become extinct in 10 years. There is another important reason for this – quality. We need to invest heavily in it, because the professionalism of agents is extremely important. After all, these are the people who communicate with end users, unless we are talking about the case when the client comes to our office. Moreover, training is mostly face-to-face – we have encountered the fact that it is impossible to teach all the necessary competencies remotely.
However, agents will only be in demand if they transform and can meet the technological needs of clients. There is currently a trend towards simplifying specific products, which allows the client to refuse consultation. But at the same time, the number of products is increasing, which means that consultations will not become a thing of the past, but will spain whatsapp number list become different: the client will need to select the optimal set.
Robotization is not the same as uberization
The future is in smart insurance, and smart insurance is the same robotization: telemetry systems and other boxes watch how dangerously you drive, or monitor your pulse. Of course, the future is in online sales through websites, aggregators and mobile applications. There are many boxed products that are already selling well online.
For example, if you need flood insurance for your neighbors for two weeks of vacation, and only for this period of time, then you simply enter the data, pay a few hundred rubles - and that's it. But if you need to insure a 150 m2 country house , a detailed calculation is required - you will again have to contact a live specialist.
Services like Uber are often called job killers. But I don’t think the insurance agent profession will become extinct in 10 years. There is another important reason for this – quality. We need to invest heavily in it, because the professionalism of agents is extremely important. After all, these are the people who communicate with end users, unless we are talking about the case when the client comes to our office. Moreover, training is mostly face-to-face – we have encountered the fact that it is impossible to teach all the necessary competencies remotely.
However, agents will only be in demand if they transform and can meet the technological needs of clients. There is currently a trend towards simplifying specific products, which allows the client to refuse consultation. But at the same time, the number of products is increasing, which means that consultations will not become a thing of the past, but will spain whatsapp number list become different: the client will need to select the optimal set.
Robotization is not the same as uberization
The future is in smart insurance, and smart insurance is the same robotization: telemetry systems and other boxes watch how dangerously you drive, or monitor your pulse. Of course, the future is in online sales through websites, aggregators and mobile applications. There are many boxed products that are already selling well online.
For example, if you need flood insurance for your neighbors for two weeks of vacation, and only for this period of time, then you simply enter the data, pay a few hundred rubles - and that's it. But if you need to insure a 150 m2 country house , a detailed calculation is required - you will again have to contact a live specialist.