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Agent or Broker?

Appointed by insurance company Approved IRDA Anyone who has cleared 12th

standard and has been trained

Who is an agent?

Who is a broker?

Independent professionals Private limited company licensed

by IRDA Has trained individuals Can negotiate with insurers on

products, pricing and claim process

Similarities

Both sell

But…

How Important is it for them to sell insurance?

Insurance

Agents Do not sell insurance as primary

businessThey may be musicians, students, etc.

BrokersBroking is their mainstream jobLivelihood depends on broking

Relation with insurance

Representation…An agent represents insurance company.

While… Broker represents the customer.

The Difference

Summarizing it up…

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Insurance agent insurance broker

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