金融、保險及地產 / Finance, insurance & real estate
Insurance Agent
保險代理要持牌：個人須獲保險業監管局發出牌照並由持牌保險代理機構委任，先可以進行受規管活動。
金融、保險及地產呢個行業係點運作
銀行、保險、地產代理。三者都係「持牌行業」：銀行從業員受金管局及其機構監管，保險代理同經紀要向保險業監管局領牌，地產代理要持地產代理監管局牌照。入行前要考的考試同持續進修（CPD）時數，都可以在監管機構網站查到。
Banking, insurance and estate agency. All three are licensed trades: bank staff work under HKMA-supervised institutions, insurance agents and brokers must be licensed by the Insurance Authority, and estate agents must hold an Estate Agents Authority licence. The examinations you sit and the CPD hours you must keep up are published by those regulators.
對人服務 · 自由身或佣金制 · 數據與分析 · People-facing · Freelance or commission-based · Data and analysis
呢份工嘅主要性質係：對人服務 · 自由身或佣金制 · 數據與分析。以下逐項講清楚實際係點做。
大部分工作時間係同人打交道：客人、病人、學生、住戶或公眾，講求溝通、耐性同情緒管理。
Most of the day is spent dealing with people — customers, patients, students, residents or the public — so communication, patience and emotional control matter.
收入同工作量通常按件、按單或按佣金計算，要自己接工作、報價、管理檔期同風險。
Income and workload usually run per job, per order or on commission, so you find your own work, quote, schedule and carry the risk.
主要處理數字、紀錄、圖則或文件，要求準確、有系統，並識得用軟件工具分析同核對。
Mostly numbers, records, drawings or documents, requiring accuracy, method and fluency with software tools for analysis and checking.
工作性質係本站按工作方式歸納，唔係官方職業分類（政府統計處另有《標準職業分類》）；只講對人、對機器、 戶外、輪班、自由身等形式，唔代表薪酬、學歷或年資要求。
繁體中文
工作以人際網絡為主：約客、講解、跟進核保同理賠，亦要做客戶服務（例如保單更改、受益人變更）。新人多數由親友同轉介開始建立客源，之後靠續保同轉介維持收入。
須向保險業監管局申領個人牌照，並由持牌保險代理機構委任；要符合學歷、指定培訓同考試要求，持牌後須持續進修。銷售投資相連產品須另具相關資格，違規銷售會被紀律處分。
薪酬主要係佣金同獎金，可能另有新人津貼或底薪期，冇法定薪級；佣金率同團隊分帳視乎公司同產品，收入隨客戶量波動，所以本站唔估算收入。路線：見習代理 → 保險代理 → 高級代理或團隊主管 → 分行或區域經理，亦可轉做核保、理賠或培訓。
English
The job runs on relationships: meeting clients, explaining cover, following up underwriting and claims, and servicing policies such as changes and beneficiary updates. New agents often build a client base from family, friends and referrals, then sustain income through renewals and referrals.
You apply to the Insurance Authority for an individual licence and must be appointed by a licensed agency; academic, prescribed training and examination requirements apply, with continuing professional development afterwards. Selling investment-linked products needs additional qualifications, and misconduct leads to disciplinary action.
Pay is mainly commission and bonuses, sometimes with a newcomer allowance or base period and no statutory scale; commission rates and team splits vary by company and product, so income swings with the client base and this site prints no estimate. The route runs trainee, insurance agent, senior agent or unit manager, then branch or area manager, with moves into underwriting, claims or training.
薪酬由邊個決定
無法定薪級。多為代理合約或自僱，收入按保險公司設定嘅佣金及花紅制度計算；本站不估算收入。
No statutory pay scale. Most work under an agency agreement or as self-employed, earning commission and bonuses set by the insurer; this site prints no income estimate.
可以多於一條。每條都註明來源，不是「唯一正確讀法」。
Training and examination → licence and appointment → build a client base
法定註冊或執照階級；私人職銜若無官方表則註明視乎僱主。
薪酬政策：只有官方薪級表、條例或監管機構公布的數字才會在本站寫出；私人機構薪酬因僱主而異，本站不估算。
金融、保險及地產 · 4 of 20
核對時點 2026-09-14。招聘條件以當時廣告為準。
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