1. Field salesperson: divided into trainee, formal, director, manager and director.

2. Back office: operations, individual insurance training, individual insurance marketing, renewal, banking and insurance department, administrative personnel, finance, etc.

The business of insurance companies is divided into two categories: 1. Personal insurance business, including life insurance, health insurance, accident insurance and other insurance businesses.

2. Property insurance business, including property damage insurance, liability insurance, credit insurance, guarantee insurance and other insurance businesses.

Insurance companies in my country are generally not allowed to engage in personal insurance business and property insurance business concurrently.

3. A customer pays insurance premiums once or several times in a certain period. The insurance company collects the insurance premiums paid by a large number of customers. Once an insured accident occurs, the insurance company pays the agreed compensation.

If the insurance company's compensation expenses are less than its insurance premium income from beginning to end, the difference becomes the insurance company's "underwriting profit."

4. From the time when the insurance company collects the insurance premiums to when the insurance company pays the compensation, the insurance company can invest the insurance funds to earn profits.

Investment return is an important source of profits for insurance companies. For most insurance companies, investment return is the only source of profits.

5. In order to spread risks, insurance companies sub-insure some large underwriting units to another insurance company.

The company that accepts this policy is a reinsurance company, which generally appears more in property insurance.