繁體中文
工作實況：代表客戶嘅中介
保險經紀嘅日常工作，係做客戶同保險公司之間嘅橋樑：先了解客戶業務同風險、梳理保障需求，再向多間保險公司攞報價、比較條款，撰寫建議書同協助投保；保單生效後，仲要跟進續保、批註同索償。經紀唔隸屬任何一間保險公司，所以可以向客戶推薦市場上最合適嘅方案，但同時要對產品、條款細則同理賠實務非常熟悉，先至幫客戶爭取到最好嘅條件。
入職關卡：保監局發牌
個人唔可以自己走去賣保險，一定要先由主事人委任。做保險經紀，就要由一間持牌保險經紀公司委任做「持牌業務代表（經紀）」，再由公司協助經「保險中介一站通」申請牌照。申請要符合指引23嘅學歷要求（例如中學文憑五科第2級，包括中文或英文及數學），除豁免外要通過保險中介人資格考試（IIQE）相關試卷，並要令人信納信譽同財政狀況良好。
經紀公司嘅額外要求
如果係開辦或經營一間保險經紀公司，要求就更高：要向保監局領取公司牌照，委任最少一名獲認可嘅負責人，喺香港任何一間銀行持有一個客戶帳戶，符合《保險業（持牌保險經紀公司的財務及其他要求）規則》嘅資本同財務要求，並具備組織架構上嘅勝任能力，包括公司管治、內部監控同風險管理。保監局處理公司新牌照申請一般需約十二星期，期間要提交業務計劃、組織架構圖同保險公司嘅推薦信等文件。
English
The job: an intermediary acting for the client
A broker's daily work is to bridge clients and insurers: understanding the client's business and risks, mapping out cover needs, obtaining quotes from several insurers, comparing terms, writing proposals and helping to place cover. After a policy is in force, brokers follow up renewals, endorsements and claims. Because a broker does not belong to any single insurer, it can recommend the most suitable market solution — but it must know products, policy details and claims practice extremely well to secure the best terms for the client.
The gate: Insurance Authority licensing
An individual cannot simply start selling insurance — they must first be appointed by a principal. To work as a broker, a licensed insurance broker company must appoint the person as a "licensed technical representative (broker)", and the company then helps submit the licence application through the Insurance Intermediaries Connect. The application must meet the academic requirements in Guideline 23 (for example, Level 2 in five HKDSE subjects including Chinese or English and Mathematics), pass the relevant Insurance Intermediaries Qualifying Examination (IIQE) papers unless exempted, and satisfy the IA as to reputation and financial soundness.
Extra requirements for broker companies
Running or setting up a broker company raises the bar further: it must obtain a company licence from the IA, appoint at least one approved responsible officer, hold a client account with a Hong Kong bank, meet the capital and financial requirements in the Insurance (Financial and Other Requirements for Licensed Insurance Broker Companies) Rules, and demonstrate organisational competence in corporate governance, internal controls and risk management. The IA generally takes about 12 weeks to process a new company licence application, during which documents such as a business plan, an organisation chart and reference letters from insurers must be submitted.
