📈Business & Finance
Insurance Specialist
Helps people and businesses insure against risk
Assesses risk and offers clients suitable insurance products, from health to property.
What they do
- ▹Explains the difference between types of insurance (life, auto, property, health) to a client
- ▹Assesses an individual client's risk and calculates the premium
- ▹Draws up and renews insurance policies
- ▹Reviews insurance claims and decides whether a payout is due
Skills you need
- ▹Understanding the basics of insurance and actuarial calculations
- ▹Explaining policy terms in plain language
- ▹Working with client databases and policies
- ▹Negotiating in conflict situations (a denied claim)
- ▹Attention to the fine print of a contract
Focus on these subjects at school
MathematicsA foreign language
Where they work
- ▹Insurance companies operating in Tajikistan
- ▹Bancassurance departments within banks
- ▹Insurance brokerage agencies
- ▹Risk-management departments of large enterprises
Pros
- + Tajikistan's insurance market is still small but growing, making it easier to stand out and build a career
- + Varied work, from sales to investigating claims
Challenges
- − Clients are often upset or angry when filing a claim, not when buying a policy
- − Has to be able to deny a claim while staying tactful
Programs that lead to this profession
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