According to Article 9 of the Insurance Law, an insurance broker is the agent of the insured, commonly known as the "policyholder", rather than the agent of the insurance company.
The core philosophy of insurance brokers is to fight for the rights and interests of policyholders rather than the interests of insurance companies.
The responsibility is to assist in negotiating the most appropriate insurance contract with the insurance company based on the interests of the insured.
Moreover, insurance brokers are not affiliated with any specific company. As long as they have relevant licenses, they can freely choose the insurance company to cooperate with.
Insurance brokers can be considered as third parties, serving as bridges between clients and insurance companies. Their core value lies in standing on the client's side and selecting the most advantageous insurance package for clients based on their different needs.
For example, you may choose life insurance from Insurance Company A, health insurance from Insurance Company B, and accident insurance from Insurance Company C, rather than being limited to products from a single company.
It is precisely because of this flexibility that policyholders can obtain more comprehensive protection that meets their own needs.
In contrast, life insurance company salesmen only represent the company's position, and the products they sell are mainly company products, not all options on the market.
When customers have limited knowledge about insurance, it is difficult for them to judge whether a particular product is truly suitable for them.
Insurance brokers can provide the most objective advice through their familiarity with the market and professional analysis to ensure that their clients’ rights and interests are maximized.
The reason I chose to become an insurance broker is because of my different position, which allows me to not be confined to the company's framework!
We completely stand from the customer's perspective to help everyone find the most suitable insurance plan, rather than just promoting products provided by a certain company.
Such a choice not only allows customers to obtain better protection, but also enables them to gain more value and sense of accomplishment in this industry.
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Only by truly starting from customer needs can insurance play its due value and provide people with the most reassuring protection.
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