Do you need an insurance number if you don't sell in an insurance company?

When you say insurance number, you mean agency number. Insurance companies don't sell or have agent numbers, but all insurance companies have employee numbers.

There are two kinds of job numbers of insurance companies: one is the agency job number. Legally speaking, insurance companies and insurance agents (insurance salesmen) belong to the agency relationship. To become an insurance agent, you need to have an insurance agent qualification certificate and an exhibition certificate issued by the insurance company to the salesman. Formal sales insurance must have the above two certificates. Insurance agents need a job number to sell insurance business for the company before they can handle insurance business.

The second is the employee number. The employees of an insurance company refer to the formal employees who sign labor contracts within the insurance company and belong to the employee employment relationship. This kind of personnel is essentially different from the first kind of personnel. Generally, the above two certificates are not needed, and insurance companies with high requirements need insurance agent qualification certificates.

Extended data:

Loss compensation

The principle of loss compensation is that when the subject matter insured suffers losses due to an insured accident, the insurer must compensate the beneficiary according to the scope of insurance liability. It means that the insurer compensates for the losses caused by the agreed insurance accident, and the beneficiary can't get additional benefits from the payment of insurance money.

Generally speaking, property insurance follows this principle, but it is difficult to estimate the value of human life and body, so this principle is not applicable to life insurance. However, some scholars believe that the medical expenses of health insurance should also be followed, otherwise it is suspected of unjust enrichment.

Principle of proximate cause of insurance

The principle of proximate cause refers to the basic principle of judging the relationship between the risk accident and the loss of the insured object, so as to determine the insurance compensation or payment responsibility. Proximity is the most direct, effective and decisive cause of damage to the subject matter insured, not proximate cause. If the proximate cause is an insurance risk, the insurer shall compensate; If the proximate cause is an excluded liability or an uninsured risk, the insurer is not responsible for compensation.

Principle of insurance distribution

In the case of repeated insurance by the insured, if an insurance accident occurs, the compensation obtained by the insured shall be shared by the insurance company and the insured.

Principle of insurance subrogation

According to the provisions of the contract, after the insurer compensates the insured for an accident, or after the accident of the subject matter insured causes a presumed total loss, the insurer claims the interests from the responsible third party according to law and obtains the ownership of the damaged subject matter insured. China's insurance laws and regulations require the insurer to exercise the right of subrogation in its own name, and the insured or the insured has the obligation to assist the insurer to claim compensation from the infringer.

function

First, there must be risks in insurance. The purpose of establishing insurance system is to deal with the occurrence of specific dangerous accidents. Without risk, there is no insurance. In order to apply the principle of large number, commercial insurance institutions generally do not underwrite such risks.

Two, insurance must give economic compensation for the losses caused by dangerous accidents. The so-called economic compensation means that this kind of compensation is not to restore the destroyed original things, nor to compensate the real things, but to make monetary compensation. Therefore, the losses caused by accidents must be economically calculable.

In life insurance, people's own value cannot be calculated, but people's labor can create value. Death and disability will lead to the loss of labor force, which will reduce the income and increase the expenditure of individuals or families. Therefore, life insurance is to make up for this economic increase in the form of economic compensation or payment, rather than ensuring people to recover their lost labor or lives.

Third, insurance must have a mutual assistance relationship. The insurance system is to allocate losses to many units to reduce the losses of the affected units. Through insurance, the insured * * * jointly pays the insurance premium, establishes an insurance compensation fund, and * * * is jointly guaranteed.

Four, the insurance payment must be reasonable. The insurance compensation fund shall be shared by the insured. In order to make everyone's burden fair and reasonable, it is necessary to calculate the contribution scientifically.

References:

Baidu Encyclopedia: Insurance