Your work as a life insurance agent will be to :
1. secure names of people who are likely to need life insurance.

2. meet those people at times convenient to them and during the interview, uncover their insurance needs.

3. awaken them to their needs and present life insurance plans that will satisfy these needs within their capacity to pay the premium.

4. make all reasonable enquiries regarding their health, habits, family history, moral hazard etc. and satisfy yourself about their insurability before recommending their proposals.

Your responsibility as an Agent will be  to :

1. get the proposal form properly filled in by the proposer, get payment towards proposal deposit and get medical and other tests, whenever needed, properly completed.

2. ensure that premiums are paid regularly by the policyholder.

3.see that age of the life assured is admitted in all policies. 
4. advise and help policyholders in effecting nomination/ assignment.
5. try to prevent lapsation of policies. 
6. render all assistance to policyholders in effecting change of address, to revive their policies, to claimants in complying with all the requirements for settlement of claims.

 
Your code of conduct should be : 
1. to fully realise the noble service rendered by life insurance and hold this business in high esteem.
2. to give correct information about physical and financial aspects of the proposer, as the grass root level under-writer.
3. to work consistently and according to a programme with the aim of extending the benefits of life insurance to as many people as possible. 
4. to strictly adhere to the rules and regulations of LIC and IRDA and procure proposals only on lives of peopleconforming to the physical, moral and financial standards prescribed by the Corporation and IRDA. 
5. to use only the right methods for persuading clients to provide financial security for their families and make accurate and truthful presentation to them. 
6. to keep the client’s interest uppermost and hold in trust all personal information passed on to you.
7. improve your knowledge of life insurance through constant study. 
8. render prompt and sincere service to your clients and be fair in your relations with colleagues. 
9. be loyal to the Corporation and truly represent its viewpoint to the insuring public.
10. comply with guidelines issued by Insurance Regulatory and Development Authority (IRDA). 

Some Covetable Habits which make for success: 

Without hard work, success is impossible. But unless work is a habit, it will be a drudgery which, in the case of life insurance salesman, usually results in failure. 
1. Work diligently and persistently towards a reasonable and definite objective (serving society while simultaneously being compensated). 
2. Plan tomorrow’s work today; do today what was planned yesterday. 
3. Make as many contacts as possible with the right kind of people. 
4. Find out as much as possible about people, study and analyse your market. 
5. Be prompt in starting work and going into the market every morning. 
6. Keep full records. 
7. Do the most difficult job first each day. 
8. Spend maximum time with prospects. 
9. Have a skilled and effective presentation. 
10. Follow a programme of continuous self-improvement and improve your image. Plan your target and complete the minimum business guarantee required of you to keep your agency in force. You are required to complete a minimum amount of business during each agency year (successive period of 12 months). Failure to complete the same will result in automatic termination of your agency. You should therefore make it a point to comply with this requirement well in time to avoid tension and last minute haste. 


FULL OF REWARDS, BENEFITS AND RECOGNITION