Broker vs Agent - who is better?

Estimated reading time 4 minutes

10Life Team

30 Mar 2022
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10Life Team

30 Mar 2022

Estimated reading time 4 minutes

不少人買保險時,都會遇上一大難題--到底找誰買保險,是否信得過?只會隱約記起某某朋友從事保險中介,但到底代表哪間保險公司,是保險代理(Agent)還是保險經紀(Broker),都完全缺乏概念。所以在找某某朋友買保險之前,不妨睇睇以下文章,先認清楚保險代理及經紀的分別,再作出最適合自己的選擇。
 
保險代理及經紀均屬保險中介人,受到保監局規管,負責洽談或安排保險合約、協助投保人辦理索償等工作。有時候他們亦會自稱為保險顧問、理財顧問、理財策劃師等等。
 
代理代表保險公司  熟悉自家產品
 
保險代理很多時候只替一家保險公司工作,通常有底薪,並從保單中賺取佣金收入。簡單來說,假如在社交媒體中看到從事保險業的朋友,只是集中銷售一間保險公司的產品,便很大機會是代理。
 
經紀代表投保人  保險產品種類多
 
保險經紀則可以與不同保險公司簽訂合約,銷售不同保險公司各式各樣的產品,除了銷售的產品種類更多之外,最大的不同,是保險經紀代表投保人,職責是為投保人尋找最適合的產品,而代理則是代表保險公司。
 
表:保險經紀及代理的分別
 
項目 經紀 代理
職責 洽談或安排保險合約、就保險產品或合約提供資訊和意見,
協助投保人辦理索償等
銷售產品 銷售不同保險公司產品 專門銷售自家保險公司產品
代表方 投保人 受僱的保險公司
 
經紀猶如「大型連鎖電器舖」  兼售多個牌子
 
假如仍未分清楚經紀及代理的分別,不妨將經紀想像為大型連鎖電子產品銷售店,裡頭可以買到各大品牌的電子產品,優點是選擇夠多,總有一款適合自己,並根據客戶需要,從不同保險公司的一眾產品當中,砌出保障最佳的組合;亦會就不同保險公司的索償服務、索償時間給予客戶意見。
 
不過,保險產品繁多兼複雜,很多時候代理會形容經紀距離保險公司「隔了一層」,並不深入熟悉個別產品。另一方面,經紀確實提供一站式銷售,但不代表有齊所有保險產品在貨架上。
 
代理似專門店  熟自家產品及運作流程
 
代理則類似個別牌子的電子產品店職員,由於「日對夜對」,介紹貨架上的專賣產品或處理索償程序時能夠娓娓道來,相對「大型電器舖」職員較為熟悉。
 
但是,保險代理「貨架上」產品有機會不及經紀多,一般人通常不會同時光顧不同保險公司的代理,假如光顧了A公司代理,通常便會一併購買A公司的危疾、醫療保險,甚至所有保險產品,即使B公司的醫保更佳,亦會怕再找另一間保險公司代理頗為麻煩,寧願買A公司產品。
 
10Life賦能消費者  逾千名顧問中搵最優質
 
現時情況有些不同。假如你想買A公司的危疾保險,又想買B公司的醫療保險,同時又想搵代理幫手,唔靠保險經紀,其實可以透過這個版面,一站式找到兩間保險公司的保險代理幫忙,毋須一定經朋友介紹。
 
現時,登記使用10Life平台的保險經紀及代理超過1,000名,一般人可以隨便要求投保及匿名發問,並設有用戶評級機制,可以揀服務態度最好的保險顧問,若果不滿意時更可以作出評分。
 
講到底,保險中介人都是對人的工作,要從受保人的需要出發,從中揀選最適合的產品、砌出最佳保障的組合,並協助客戶索償,而不是為了佣金而強行推銷。
 

註﹕

  1. 本文由10Life從不同途徑搜集市場資料製作而成,僅供一般參考之用,並沒有考慮任何個人需要及合適性,亦不應被視為銷售建議。投保前應與持牌保險顧問商討適合自己的保險方案,並以保險公司提供的資料為準。
  2. 本文最後更新日期:2022年3月30日
 

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4002
611

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1852
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1348
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
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Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

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Edward, Lam Wing Chuen

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Convoy Senior Wealth Management Advisor

4.6
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263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1116
249

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