Beijing Huafeng Xintai Investment Management Co

& Insurance brokerage company capital verification Insurance brokerage company agent Zhang insurance agent
Insurance brokerage company capital verification Insurance brokerage company agent Zhang insurance agent
Insurance brokerage company capital verification Insurance brokerage company agent Zhang insurance agent
, What type of company is an insurance brokerage company?
Answer: An insurance brokerage company is an economic organization that provides insurance intermediary services based on the interests of policyholders or insured persons. In essence, insurance brokerage companies represent the interests of their clients. Insurance brokers must stand with policyholders/insureds and represent their interests. On the one hand, the attribute of an insurance broker is stipulated by laws and regulations; on the other hand, it is determined by the characteristics of insurance products and the information asymmetry in the insurance market.
(7) Other behaviors that violate the provisions of the China Insurance Regulatory Commission.
Is there any legal basis for insurance brokers to represent and protect the interests of policyholders?
Answer: The relevant national laws and regulations have clear and strict requirements for insurance brokers.
Article 1 of the "Insurance Law" stipulates: An insurance broker is an entity that provides intermediary services for the insured and the insurer to enter into insurance contracts based on the interests of the policy holder and collects commissions in accordance with the law.
Article 1 of the "Insurance Law" stipulates: If an insurance broker's fault in handling insurance business causes losses to the policy holder or the insured, the insurance broker shall bear the liability for compensation.
Article 1 of the "Regulations on the Administration of Insurance Brokerage Companies" stipulates: If an insurance brokerage company causes losses to the policyholder, the insured or other clients due to its fault in the process of handling insurance brokerage business, the insurance brokerage company shall bear legal liability in accordance with the law. .
Article 1 of the "Regulations on the Administration of Insurance Brokerage Companies" stipulates: Insurance brokerage companies shall deposit operating deposits based on % of their registered capital, or purchase professional liability insurance in accordance with the provisions of the China Insurance Regulatory Commission
Insurance brokers and insurance agents Although they are both insurance intermediaries, there are fundamental differences between them
The specific differences between the two are as follows
The interests they represent are different. An insurance broker accepts the client's entrustment and represents the client's interests, while an insurance agent acts as an agent for the insurance company and represents the interests of the insurance company.
The services provided are different. Insurance brokers provide customers with full-process services such as risk management, insurance arrangements, and assistance with claims and recovery, while insurance agents generally only sell insurance products on behalf of insurance companies and collect insurance premiums on their behalf.
, service objects are different. The main customers of insurance brokers are mainly mid-to-high-end consumer groups with relatively stable incomes and large and medium-sized enterprises and projects, while the customers of insurance agents are mainly individuals.
The legal responsibilities are different. There is an entrustment and fiduciary relationship between the client and the insurance broker. If the client suffers a loss due to the fault of the insurance broker, the insurance broker shall bear corresponding financial liability to the client. The insurance agent and the insurance company have an agency-pient relationship, and the agency insurance company is only responsible for the consequences of the insurance agent's actions within the scope of authorization.
Company name: China Enterprise Wansheng (Beijing) Investment Consulting Co., Ltd.
Wealth hotline: Manager Zhang
Company address: Building H, Modern City, No. Jianguo Road, Chaoyang District, Beijing