kindlustusvõtjal

Kindlustusvõtjal, also known as an insurance intermediary, is a professional who acts as a bridge between insurance companies and policyholders. Their primary role is to facilitate the purchase, management, and renewal of insurance policies. Kindlustusvõtjal can be categorized into two main types: brokers and agents.

Insurance brokers are independent professionals who represent the interests of policyholders. They have the authority to offer insurance products from multiple companies and can negotiate terms and conditions on behalf of their clients. Brokers typically earn a commission based on the premiums they secure.

Insurance agents, on the other hand, work for a single insurance company. They are company representatives who sell and service policies for that specific company. Agents usually earn a commission based on the policies they sell, but their income is tied to the success of their employer's products.

Both brokers and agents play crucial roles in the insurance industry. They provide valuable expertise and guidance to policyholders, helping them understand complex insurance products and find the best coverage options. They also assist with policy administration, claims processing, and customer service, ensuring that policyholders receive the support they need throughout their insurance journey.