Insurance Officer (Bank)
ほけんたんとうしゃ
Industry & Occupation
Classification
- Major : Sales and Marketing Occupations
- Middle : Sales-Related Occupations
- Minor : Insurance Agents and Brokers
Summary
A job that proposes and sells life insurance and non-life insurance products tailored to customers' life plans at bank counters, and handles contract procedures and aftercare.
Description
Bank insurance officers engage with customers at the counter to assess their life stages and needs, proposing optimal insurance products such as life insurance and non-life insurance. This involves premium calculations, risk assessments, preparation and processing of contract documents, and coordination with insurance companies. They also manage post-contract follow-ups, including maturity and renewal notifications, change procedures, and benefit claims processing, to build long-term customer relationships. The role requires specialized knowledge of insurance products and financial regulations, and involves collaboration with other bank departments, insurance company sales staff, and financial planners.
Future Outlook
While steady demand is anticipated due to growing needs for asset formation and inheritance planning amid an aging population, the expansion of online-only insurance sales and AI-powered automatic proposal systems will make interpersonal sales skills and consulting abilities key to competitiveness.
Personality Traits
Work Style
Face-to-Face Sales / Office Work / Online Consultation / Shift Work / Team System
Career Path
Bank Counter Staff → Insurance Officer → Senior Advisor → Branch Sales Manager → Insurance Department Manager
Required Skills
Basic PC Operation / Contract Procedures / Insurance Premium Calculation / Insurance Product Knowledge / Sales Skills
Recommended Skills
CRM System Operation / Financial Planning Knowledge / Marketing Knowledge / Understanding of Insurance-Related Laws and Regulations
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Attention to Detail & Accuracy | Necessary to accurately handle contract details and terms. |
| Communication Skills | Essential for building trust with customers and understanding their needs. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Physical Stamina & Endurance | Primarily desk-based and clerical work with minimal physical demands. |
Related Qualifications
- Financial Planning Skills Proficiency
- Life Insurance Solicitor Qualification
- Non-life Insurance Solicitor Qualification
Aliases
- Bank Counter Insurance Officer
- Bank Insurance Advisor
- Bank Insurance Officer
Related Jobs
- Bank Teller
- Financial Planner
- Insurance Planner
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- Securities Sales