目錄
簡介 Intro
保險承銷商根據公司的政策，審查和評估保險申請，來確定保險風險，保險費和保險保障程度。保險承銷商受僱於保險公司的總部和分支機構。
Insurance underwriters review and evaluate insurance applications to determine insurance risks, insurance premiums and extent of insurance coverage according to company policies. Insurance underwriters are employed at head and branch offices of insurance companies.
隨著經驗積累，可能晉升為保險業的管理職位。
Progression to management positions in the insurance industry is possible with experience.
完成加拿大保險協會教育計劃，或其省級同行賦予特許保險專業（CIP）的專業認可的保險承銷商，作為英國特許保險專業（FCIP）資深會員，還需要完成更多的大學課程。
Completion of educational programs through the Insurance Institute of Canada or its provincial counterparts entitles insurance underwriters to professional recognition as a Chartered Insurance Professional (CIP) and, with additional university courses, as a Fellow, Chartered Insurance Professional (FCIP).
主要職責 Main Duties
- 檢查汽車，消防，健康，責任，生命，財產，船舶，飛機和其他保險的個人和團體申請
- Review individual and group applications for automobile, fire, health, liability, life, property, marine, aircraft and other insurance
- 應用醫療報告，費率表及其他文件和參考材料，評估新的和更新的申請，以確定保險風險，保險費，保險保障程度和保險合同的其他條件;調整保費，覆蓋範圍或風險以接受新的活可能更新的申請。
- Evaluate new and renewal applications to determine insurance risks, insurance premiums, extent of insurance coverage and other conditions of the insurance contract using medical reports, rate tables and other documents and reference materials; adjust premiums, coverage or risk itself to make acceptance of new and renewal applications possible
- 批准保險銷售政策和確保遵守政府法規
- Approve sale of insurance policies and ensure compliance with government regulations
- 為個人或團體保險計劃設計提供建議
- Provide recommendations on individual or group insurance plan designs
- 向包銷客戶提供建議，回應保險代理人，顧問和其他公司人員的詢問
- Provide underwriting advice and answer inquiries from clients and from insurance agents, consultants and other company personnel
- 準備包銷報告，必要時更新保險表格。
- Prepare underwriting reports and update insurance forms when necessary.
任職要求 Employment Requirements
- 完成中學學業及具備一般性的保險經驗
- Completion of secondary school and some general insurance experience
- 或大學本科學歷，大專以上文憑或中學後教育。
- A bachelor’s degree, college diploma or some post-secondary education is required.
- 多年的在職培訓，以及完成保險業承保的課程和培訓計劃。
- Several years of on-the-job training and completion of insurance industry underwriting courses and training programs are required.
所有職稱 All Titles
- 意外和疾病承保人 – 保險 Accident and sickness underwriter – insurance
- 助理承保人 – 保險 Assistant underwriter – insurance
- 汽車和房屋保險顧問 Automobile and home insurance consultant
- 汽車承保人-保險 Automobile underwriter – insurance
- 鍋爐和機械承保人 – 保險 Boiler and machinery underwriter – insurance
- 傷亡保險產品分析師設計師 Casualty insurance products analyst-designer
- 傷亡承保人 – 保險 Casualty underwriter – insurance
- 商業承保人 – 保險 Commercial underwriter – insurance
- 農場承保人 – 保險 Farm underwriter – insurance
- 火災保險商 – 保險 Fire underwriter – insurance
- 集團承銷商 Group underwriter
- 集團承保人-保險 Group underwriter – insurance
- 總公司承保人 – 保險 Head office underwriter – insurance
- 家庭辦公室承保人 – 保險 Home office underwriter – insurance
- 保險評級分析師 Insurance rating analyst
- 保險承保人 Insurance underwriter
- 初級核保人 – 保險 Junior underwriter – insurance
- 責任承保人 Liability underwriter
- 人壽承保人 Life underwriter
- 船舶和飛機承保人 – 保險 Marine and aircraft underwriter – insurance
- 海事承保人 – 保險 Marine underwriter – insurance
- 套餐承保人 – 保險 Package underwriter – insurance
- 個人線路承保人 Personal lines underwriter
- 財產承銷商 Property underwriter
- 財產承保人 – 保險 Property underwriter – insurance
- 公共責任承保人 – 保險 Public liability underwriter – insurance
- 再保險承保人 – 保險 Reinsurance underwriter – insurance
- 資深承保人-保險 Senior underwriter – insurance
- 保證承保人 – 保險 Surety underwriter – insurance
- 承保人 – 保險 Underwriter – insurance
不包括職稱 Exclusions
- 保險代理人和經紀人 Insurance agents and brokers (63100)
- 保險經理（保險，房地產和金融經紀經理） Insurance managers (in 10020 Insurance, real estate and financial brokerage managers )