职业描述：Insurance Agents and Brokers
导读：
At Work
Insurance agents work for individual insurance companies to sell that company's products to clients. Insurance brokers work for brokerage firms and find appropriate insurance products through several insurance companies on behalf of clients. Their duties may require them to:
Sell automobile, fire, health, life, property, marine, aircraft and other types of insurance to clients;
Establish clients' insurance coverage, premiums and methods of payment;
Provide information on group and individual insurance packages such as risk coverage, benefits and other policy features;
Ensure that clients provide the appropriate forms, medical examinations and other policy requirements; and
Respond to clients' questions when claims are made.
Education, Training and Experience
People in this occupation must complete high school, on-the-job training and industry-sponsored courses and training programs. Most recent entrants have a community college diploma or another postsecondary diploma or degree.
They must be licensed by the superintendent of insurance in their province or territory.
They can receive professional recognition as an associate or fellow of the Insurance Institute of Canada by completing educational programs provided by the Institute or its provincial counterparts.
With experience, they may progress to insurance management positions.
About this Occupation
59,000 persons were employed in this occupation in 1996, an increase of 34.5% from 1986. Over the same period, employment in all occupations grew by 13.1%.
11% of workers in this occupation work part-time, compared to an average of 19% for all occupations.
42% of persons working in this occupation are women, compared to an average of 45% in all occupations.
The unemployment rate in this occupation averaged 4% from 1994 to 1996, well below the average of 6.7% for all occupations. These rates are among the lowest for technical, paraprofessional and skilled occupations and for occupations in sales and service.
Average earnings of year-round, full-time workers in this occupation in 1995 were $38,800, compared to an average of $35,700 for all occupations. These earnings are among the highest for technical, paraprofessional and skilled occupations and for occupations in sales and service.
Employment in this occupation is moderately sensitive to overall economic conditions but is not seasonal.
Full-Time Earnings
1995 Full-Time Earnings*
$69,800 Highest
$38,800 Average
$16,200 Lowest
* Full-time earnings of the highest 10%, the average and the lowest 10% of workers. $35,700 is the average for all occupations.
Looking to the Year 2001
Current labour market conditions for new entrants in this occupation are good. Labour market conditions for new entrants will become fair by 2001.
Expert systems will be used increasingly in the insurance industry, and computerized telecommunications will link brokerages to insurance firms. Insurance agents and brokers will need to develop strong computer skills to exploit these technologies. [page]
Most of the increase in labour requirements through 2001 for this occupation will occur in the finance, insurance and real estate industry.
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