Kindlustusandjal

Kindlustusandjal refers to an insurance broker in Estonian. An insurance broker is an independent intermediary who represents clients in their dealings with insurance companies. Unlike an insurance agent who typically represents a single insurance company, a broker is licensed to work with multiple insurers and can therefore offer a wider range of products and compare policies on behalf of their clients.

The primary role of a kindlustusandjal is to assess the insurance needs of an individual or business and then find the most suitable coverage at the best possible price. This involves understanding the client's risks, researching available policies, explaining the terms and conditions, and assisting with the application process. They act as a liaison between the client and the insurance provider, especially in cases of claims.

Kindlustusandjal are compensated either through commissions paid by the insurance company or by fees charged directly to the client, or a combination of both. Their independence allows them to prioritize the client's interests over those of any particular insurer. They must adhere to specific regulations and ethical standards to ensure they provide competent and fair advice. In essence, a kindlustusandjal is a professional who navigates the complex world of insurance for their clients.