Maererano Nebasa reInishuwarenzi
Kunyoresa kunosanganisira kuenzanisa uye kuverenga kwehuwandu. Imari yepayimari inopomerwa nemubhizimisi inoratidza ngozi iyi. Izvo zvakakodzera uye zvinoenderana nehuwandu hwokuti mukana wekambisi yveshuwarenzi ichazobhadhara kudai kana ikanyora mutemo wakapiwa.
Basa rekutsvaga basa rinokosha zvakaenzana. Imwe kambani inishuwarenzi yekambani inenge iine, kunyanya munguva yakareba, mari yakawandisa yemari kubva kumabhadhayamu pamusoro pekubhadhara chairo kwezvakataurwa.
Izvi zvakasununguka zvinofanira kuiswa zvakanaka uye zvakaenzana, kuitira kuti makambani einishuwarenzi ave nevashandi vakawanda vakazvitsaurira kuti vawane mari yakanaka pamari iyi.
Zvitatu zvitatu zvemakambani eInishuwarenzi
Makambani eInishuwarenzi anowira mumapoka matatu makuru. Upenyu hwehupenyu hwevatsigiri vanovimbisa kubhadhara panguva yekufa kwomunhu akachengetwa. Pfuma uye kuurayiwa kwevashandi vanotora mitemo inodzivirira vanhu nemabhizimisi pamusoro pezvipingamupinyi zvakasiyana-siyana zvakadai semotokari dzemotokari, moto, dambudziko remhepo, kuparadza kwemhepo, kukuvara, uye kuba. Vatsigiri vehutano vanyore mitemo inobhadhara mari yekurapa. Mamwe makambani einishuwarenzi anobata mumarudzi akawanda emitemo.
Career Paths muInishuwarenzi
Indasitiri yeInishuwarenzi inoshandisa nhamba yakawanda yevanhu pamusoro pemhando yezviremera. Izvi hazvirevi ruzivo rwakakwana asi zvinosanganisira mamwe emakwikidzi anokosha uye ari nani ekubhadhara mune iyi inyanzvi. Sezvakadaro mune imwe shanduro, pane nguva dzose vatsigiri vevatsigiri, uye mazita ezvidzidzo nemabasa zvinogona kusiyanisa zvishoma kubva kumushandi kumushandi.
- Pasi penzvimbo : An actuary anobata basa rinokosha rekambani. Iye akadzidziswa muongororo yekuongorora uye kusarudza kwesayenzi yemitemo yemishuwarenzi nemitemo. Ndiyo basa re actuary kuyera uye kuverenga zvinhu zvinowedzera ngozi kuitira kuti ma-premium anokwanisa kutengesa zvakakodzera.
- Inishuwarenzi appraiser: Chigaro ichi chinosanganisira kuongorora zvirevo zvinopinda mukambani ye inshuwarisi kubva pakona yekuongorora kukosha kwezvinhu zvakakanganisika. Anotarisa mari inoshandiswa yekugadzirisa kana kutora nzvimbo yacho. Izvi zvinobatsira kuziva kana kambani yveshuwarisi ichabhadhara kudai uye, kana zvakadaro, iyo iyo kambani ichabhadhara.
- Inishuwarenzi inotarisa mutsigiri : Basa iri rakafanana neyomudzidzisi. Mamwe makambani einishuwarenzi anoshandisa zvose asi vamwe vanogona kuvimba pane imwe kana imwe. Anogadzirisa kazhinji ane mabasa akawandisa, zvisinei, kusanganisira kutsvakurudza kwakafanana nekubvunzurudza zvapupu uye kuongorora mapurisa emishumo.
- Inishuwarenzi inobvunza muongorori : Chigaro ichi chinosanganisirawo mabasa akawanda uye mabasa seanoshandura kana anodzidzira. Icho chinhu chakafanana nechechirairi uye shanduro yakaiswa panzvimbo imwe.
- Muchengeti weInishuwarenzi: Anoperefeta anonzi akadzivirirwa nekudzivirira uye ane zviitiko zvehushuwarhu hwekubiridzira. Iyi nzvimbo inonyanya kuwanika nemakambani anochengetedza kurwisa muviri, kuora kwepfuma, uye mhosva.
- Inishuwarenzi kutengesa mumiririri : Anofanirwa angashanda kune imwe kambani yveshuwarisi pachayo kana kuti yega yega inishuwarenzi broker. Iro basa rake kutengesa mitemo yekambani kune vatengi.
- Inishuwarenzi underwriter : Underwriters vanoongorora ngozi iyo kambani ye inshuwarisi inogona kuenderera mberi iyo inoparidzira mutemo. Underwriters vanokurudzira mari yakakodzera.
- Vatariri vemari uye chekuchengetedzwa kwevashandi vekutsvakurudza : Vashandi ava vanotarisira chikamu chekutsinhanisa kwebhizimisi, vachiita kuti mari yemaripo inobhadharwa nekambani inotengeswa uye inochengeterwa kushandiswa kwekambani.