How do insurance companies operate?

System operation of insurance company: The background is generally divided into foreground and background. The front line has marketing and training, and the back line has operations, finance, personnel, administration, planning and so on.

Marketing: promote business and be responsible for business results.

Training: provide training support for marketing and strengthen skills.

Personnel: introduction, assessment, management and administration of internal staff: outreach, procurement, etc.

Finance: budget, reimbursement, etc.

The headquarters is mainly responsible for overall coordination, uploading and issuing (similar to the headquarters), and the business department is mainly a combat unit, grasping business and managing salesmen.

The head office is a first-level institution, provincial branches are second-level institutions, municipal branches are third-level institutions, and county-level service departments are fourth-level units. According to the sales series, it can be divided into four series: individual insurance marketing, group insurance, bank agency and renewal insurance. In addition, the establishment of the head office is more than that of the company, and some functional departments only exist at the head office level.

Operating procedures of insurance companies:

1. After receiving the premium, withdraw the risk reserve and deduct the handling fee and operation fee.

2. The cash value part is operated by the professional investment team.

3. Investment direction: large amount of agreed deposits from banks, national primary market bonds for large-scale infrastructure construction, primary market bonds and stabilization funds.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.