Kusiyana kwakasiyana-siyana kunoratidza nzvimbo yakasiyana yeunyanzvi
Pamusoro peInishuwarensi yeZvitsi
Mumiririri-muchengeti mazita muminda yavo ndeye RHU, CLU, uye CPCU.
- Health Insurance- Registered Health Underwriter (RHU)
- Life Insurance - Chartered Life Underwriter (CLU)
- Imba Casualty Insurance- Chartered Property Casualty Underwriter (CPCU)
Vatori vezvirevo izvi zvitatu vanoonekwa mumhizha yese sevanyanzvi vane ruzivo rwehutano hutungamiri, kunyora pasi, uye mutemo. Muchikamu chakabatanidzwa pamusoro pemishumo yakasiyana-siyana yveshuwarisi inowanikwa mumhizha, iwe uchawana mamwe mazita anotsanangurwa uyewo avo vashandi vehushuwarenzi vakashandisa kuwana nekuratidzira ruzivo rwehushuwarenzi.
Kuti uwane ruzivo rwokubudirira kushumira bhuwarisi maklayi zvakanaka mashuwarisi vadzidzisi vakashandisa purogiramu dzidzo yehushuhu kwemakumi emakore. Mapurogiramu ezvidzidzo anowirirana mazita aya anoshumira zvidimbu zviviri zvinokosha.
Kutanga, iyo yedzidzo inopa vashandi veinishuwarenzi vane dzidzo yakadzika yeinishuwarenzi mishonga inoita munzvimbo dzakawanda sehutungamiri kutengeserana nekunyora pasi.
Chechipiri, kubudirira kwemashoko aya kunoratidza unyanzvi hwehushuwarisi munyanzvi yavo kune vanotarisira vatengi.
Health Insurance Inorongwa
Utano hwehutano hwehutano hune mazita akasiyana-siyana anowanikwa kuwana ruzivo uye kuratidzira kuvabereki vavo kuwedzera kwehutano hwavo.
Registered Health Underwriter
Uyu ndiwo hutano hwehutano hwehutano hwehutano hunoratidza ruzivo rwezvinhu zvose zvekubhadharwa kwehupenyu, kusanganisira zvirongwa zvekutarisira zvakachengetedzwa; munhu oga uye boka rezvechiremba, mari yehurema, inishuwarenzi yenguva refu yekuchengetedza; boka remazino uye mazano ekuzvipira kubatsira. Dzidzo yacho inobvunzurudzawo zvinokonzerwa nemitemo yehurumende yakadai sePACACA (Murwere Kudzivirirwa uye Inoshandiswa Nezvokuchengetedza Mutemo) uye vamwe kusanganisira COBRA , ERISA, neHIPAA.
Nzira dzekudzidzisa: Dzidzo yeRHU inopesana nemupiki asi kazhinji inosanganisira zvinotevera:
- Kurwara Kwakakosha uye Kuchengetedza kwenguva refu
- Kuremara uye Bhuku Rinobatsira
Nzira Yokuwana nayo: Kudzidzisa nzvimbo kumativi eUnited States anopa dzidzo yeRHU inosanganisira, AB Training Centre, Advocis, The American College, Business Career College, nevamwe. Zvimwe zvinoremekedzwa zvehutano inshuwarheni zvirongwa zvinosanganisira izvo zviripo kuburikidza neAmerica Health Health Plans (AHIP). Izvi ndezvi:
- Kuchengetedza kwenguva refu (LTCP- Yenguva Yakareba Care Professional)
- Indumisi yemubhadharo yveshuwarenzi (DIA- Disability Income Associate)
- Vashandi Vehutano Mazano (EHBA- Vashandi VeHumano Hwenharaunda Vanobatana), uye
- Utano Inishuwarenzi kazhinji (HIA- Health Insurance Associate)
Chikwangwani chinokura nokukurumidza ndiyo inshuwarisi inonzi CLTC.
Iko Kunopupurirwa muKore-Term Care Careing inosvika pakuzivikanwa zvakanaka nekuda kwechikamu chekutsvaga kwayo kukuru pakutengesa kushandiswa kwenguva refu yerishuwarenzi. Iri zita rinowanika kuburikidza neSangano reLin-term Care Certification.
Upenyu hweInishuwarenzi yehupenyu
Vashandi vari mukati me inshurensi yehupenyu husarudzo vanogona kusarudza kubva kuhuwandu hweinishuwarenzi mazita ekuzvizivisa ivo semabhizimisi emakambani kuvarengi vavo.
Charter Life Underwriter
Iyi ndiyo hurumende yehupenyu hwehushandi yemishonga inshuwarheni uye inowedzera unyanzvi hwehupenyu nehutano inshuwarisi, hutano, hutori, mushandi webasa, kugadziriswa kwemiganhu, kuverenga, kutarisira, uye zvekugadzirisa. Dzidzo dzeCUU dzinobatsira vanhu kuti vafambise basa ravo nekupa ruzivo rwakadzika pamusoro pezvinodiwa zveinishuwarenzi zvevanhu, mabhizinesi, uye vashandi vekambani.
Zvidzidzo: Chikoro cheCU chinokwanisa kuwana mari yekuzadzisa zvidzidzo 5 zvinodiwa uye mapoka matatu ekusarudza pakati pezvisarudzo zvakawanda.
Nzira Yokuwana nayo: Mapurogiramu akasiyana-siyana ekudzidzisa anopa zvidzidzo kuti apedze CLU kudanwa kusanganisira AB Training Center, Advocis, The American College, Business Career College, nevamwe.
Zvimwe zvehutano inshuwarheni zviyeuchidzo zvinosanganisira Fellow, Life Management Institute (FLMI) iyo iyo inopiwa kune vanhu vanopfurikidza ruzhinji rwemashumi ehurumende yemishurenzi yehupenyu pamusoro pe inshuwarheni, kuverenga, kutengesa, maitiro ehurumende, mari, mutemo, kutarisira, uye makombiyuta. Iri zita rinowanika kuburikidza neHupenyu Office Management Association (LOMA).
Uyewo, Life Underwriter Training Council Fellow (LUTCF) zita rinogona kuwanikwa nekuzadza mafundo matanhatu kubva kuAmerican College. Iri rondedzero rinonyanya kukosha inishuwarenzi yeupenyu inoshandiswa ruzivo ruzivo rwemashoko ekutanga ekugadzirira kuitira kuti LUTCF ibatsirwe mukuwedzera kwekutsvaga kwekutengesa.
Imba Casualty Insurance Designations
Imba uye Casualty Indasitiri yehupfumi yevashandi vane mikana yakawanda yeinishuwarenzi iyo inosarudza kuratidza unyanzvi hwavo kune vanotarisira vatengi.
Chartered Property Casualty Underwriter
Uyu ndiye wekutanga kutumidzwa muimba-kuurawa kwehutano. Iko purogiramu yeCCCU inopa kunzwisisa kwakakwana kwehupfumi-hupfumi hutachiona hunotarisa pamutemo, mune zvemari uye kushanda kwekutarisira njodzi uye inshuwarisi.
Zvidzidzo: Purogiramu yeCCCU ine mafundo gumi nemaviri. Zvidzidzo zvisere zvinofanira kutorwa kuti dziwane CPCU kudanwa. Pane zvidzidzo zvishanu. Mukuwedzera, vadzidzi vanosarudza yekutengeserana kana yega yega inshuwarisi yekusimudza purogiramu.
Nzira Yokuwana nayo: ICCU inoratidzirwa inopiwa neAIDS Training Center, Inishuwarenzi yeAmerica (CPCU / IIAA), Chikoro cheUnsurance License, nevamwe. Mamwe mazita akanyorwa anogona kuteverwa nehupfumi hwehupfumi hwevashandi nevashandi, kusanganisira:
- AAI- Mutungamiri Anogamuchirwa muInishuwarenzi inopiwa neInsurance Institute of America (CPCU / IIAA) inonyanya kusimbisa rutivi rwekugadzirwa kweinishuwarenzi, nekudzidza mumunhu oga uye mune zvekutengeserana uye mutoro wekutengesa uye kushandiswa kwehurumende.
- AIC- Yakabatanidzwa Muzvitsvaga zvakare inopiwa neCPSU IIAA inosanganisira zvidzidzo zvekudzidzisa zviri mumigwagwa yega yega uye migwagwa yebhizimisi nzvimbo uye mutoro.
- CIC- Mutsigiri weInishuwarenzi Akavimbiswa anopiwa neThe National Alliance for Insurance Education & Research inosanganisira zvinhu zvakakosha mumiganhu yevanhu, kuparara kwezvokutengeserana, zvekutengesa pfuma, hupenyu uye hutano, uye hutungamiri hwehurumende.