How to Become an Insurance Agent: Paths to Entering the Profession

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large segments showed growth, albeit moderate. The exception was accident and health insurance. This is the only area where there was no slow growth or even stagnation. On the contrary, there was a downward movement. At the end of the year, the drop in collections amounted to 3.4% or ≈ 7 billion rubles.

Even then, market experts linked this to a decrease in demand for consumer loans. Interest rates have increased. Banks are much stricter with borrowers. Especially with those mom data who already had an outstanding loan. There is no improvement in the accident insurance segment yet. If there are no sharp positive changes, the decline will be greater by the end of the year, up to 10-15%.


There are no prerequisites for a positive outcome. The Central Bank's key rate, which directly affects the cost of credit, remains high. The regulator periodically says that it may increase it. Read also Earn money by selling the course “The profession of an insurance agent” Prospects for the development of accident insurance in 2025 As already mentioned, the prospects depend on the consumer credit market.

The reason: the mass of policyholders are borrowers. The head of Sber, German Gref, noted a decrease in demand for loans due to high rates in February 2024. Rates are reduced when the key rate is reduced. It is set by the Central Bank.