The specific position of an insurance company

1. On-site sales personnel: interns, officials, supervisors, managers and directors.

2. Backstage: operation, individual insurance training, individual insurance marketing, insurance renewal, banking and insurance department, administration and personnel, finance, etc.

The business of insurance companies is divided into two categories:

1, personal insurance business, including life insurance, health insurance, accident insurance and other insurance businesses.

2. Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance business. Insurance companies in China are generally not allowed to operate life insurance business and property insurance business at the same time.

3. A customer pays the insurance premium one or more times in a certain period of time, and the insurance company collects the insurance premium paid by a large number of customers. In the event of an insurance accident, the insurance company will pay the agreed compensation. If the indemnity expenditure of the insurance company is always less than the premium income, the difference will become the "underwriting profit" of the insurance company.

4. From the time when the insurance company receives the insurance money to the time when the insurance company pays the indemnity, the insurance company can invest the insurance funds to earn income. The return on investment is an important source of profits for insurance companies. For most insurance companies, the return on investment is the only source of profit.

In order to spread risks, insurance companies reinsurance some large underwriting units to another insurance company. Companies that accept such policies are reinsurance companies, which generally appear in property insurance.

Insurance Company-Baidu Encyclopedia