BUY INSURANCE, THROUGH AGENTS OR BANK?

Tutorials1927 - Purchase insurance products are now increasingly easy. Many distribution channels to be able to afford it. Anywhere?

In general, insurance products distributed through two channels, namely agents and non-agents. But actually the core of it remains the same two lines, which can be face to face to be able to explain in detail the insurance products that we will take.

Special lanes agents, a borrower must meet with the agent who has had the certification of Indonesian Life Insurance Association (AAJI). "If necessary, please ask the agency license and show the card validity period so that you terpastikan status," said Executive Director Benny AAJI Waworuntu.

The goal, in order to be legally accountable. In addition, prospective customers will be able to know the insurance products that really wants.

As for non-agent, commonly used distribution channel is through the bank and telemarketing. Non-agency distribution channel is more appropriate if a borrower intends to buy insurance attached to banking products, such as deposits, education savings, savings deposits or financing.

But before buying this insurance product and decided to choose the distribution, the important thing is to choose the right insurance company. "As good as-good agent, if the company went bankrupt, which pays a claim is the company, not the agent," he added.

From the data AAJI, currently non-agency lines especially bank has become the largest contributor to contributors premiums, compared to the agent. Based on data AAJI second quarter of 2012, total premium that goes to Rp 49.65 trillion. Strip mengontribusikan bank Rp 20.1 trillion. While the agent of Rp 19.5 trillion. The rest of telemarketing Rp 1 trillion and Rp 9 trillion of other distribution channels.

"This is a new history for bancassurance (insurance through banks). So far, the path of the agent always dominated," added Benny.

Though the number of agents is being added every year. In the same period, the number of agents reached 308 229 people, an increase of 43.2 percent over the first half of 2011 amounted to 215 304 people.

"Although the path of the stronger banks, the agency will become the backbone for the life insurance industry until the end of the year," he added.