{"id":111,"date":"2019-08-19T06:59:54","date_gmt":"2019-08-19T06:59:54","guid":{"rendered":"https:\/\/ifs.co.me\/?page_id=111"},"modified":"2021-05-19T19:50:43","modified_gmt":"2021-05-19T19:50:43","slug":"najcesca-pitanja-i-odgovori","status":"publish","type":"page","link":"https:\/\/ifs.co.me\/en\/najcesca-pitanja-i-odgovori\/","title":{"rendered":"FAQ"},"content":{"rendered":"
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\n \n \n <\/span>\n\n \n What is the cost of insurance broker services?<\/span>\n\n \n
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\n \n <\/i>\n <\/div>\n\n
\n \n <\/i>\n <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
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Our client services are free. Insurance Financial Solutions has signed contracts with insurance companies from which it collects a brokerage commission. Therefore, this service is paid for by the insurance company, not the client.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n What documentation is required when hiring an insurance brokerage company?<\/span>\n\n \n
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\n \n <\/i>\n <\/div>\n\n
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It is necessary to sign a brokerage agreement and a power of attorney by which the client authorizes us to request offers on the client's behalf in order to conclude an insurance contract. Of course, the documentation is given to the client for inspection and adjusted to the client's needs. It is important to note that if the client wishes to terminate the contract, the client can do so without any legal consequences.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Do all insurance companies have equal coverage and premiums?<\/span>\n\n \n
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\n \n <\/i>\n <\/div>\n\n
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They don't have. The insurance offers of different insurance companies differ both in the scope and type of coverage, as well as in the amount of the premium. Each insurance company has its own unique premium calculation, as well as unique general and additional insurance terms and conditions.<\/p>

That is why it is desirable to have an insurance broker who will know the conditions of all insurance companies and point out to the client the existing differences and advantages of some and the disadvantages of other conditions.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n How can we know that the insurance premium presented by the broker is competitive, i.e. lower than the insurer's offer?<\/span>\n\n \n
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The provision that the broker contracts with the insurance company is that the insurance premium, which is offered in response to a specific client's request, cannot be higher than the independently given offer of the insurance company if the client were to contact them directly.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Does the broker participate in making claims for compensation?<\/span>\n\n \n
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\n \n <\/i>\n <\/div>\n\n
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Yes, the obligation of the insurance broker is to help the client in making claims for compensation and to offer advisory and other assistance.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n What is an insurance policy?<\/span>\n\n \n
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\n \n <\/i>\n <\/div>\n\n
\n \n <\/i>\n <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
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A policy is a document that confirms that an insurance contract has been concluded.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Who is the insurer?<\/span>\n\n \n
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\n \n <\/i>\n <\/div>\n\n
\n \n <\/i>\n <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
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\n

The insurance company with which the insurance contract is concluded is the insurer. It is a legal entity that assumes the risk of damage or destruction of things, the risk of premature death in case of personal insurance and other risks. That is why the insurer is called a professional risk bearer.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n <\/span>\n\n \n Who is the insured and is it always the policyholder?<\/span>\n\n \n
\n
\n \n <\/i>\n <\/div>\n\n
\n \n <\/i>\n <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

The insured is an individual or a legal entity which concludes an insurance contract, thereby protecting themselves from unwanted risks. The insured does not have to be the policyholder. The policy holder is the person who concludes the insurance contract at the request of the insured and on behalf of the insured.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n <\/span>\n\n \n What is an insurance premium?<\/span>\n\n \n
\n
\n \n <\/i>\n <\/div>\n\n
\n \n <\/i>\n <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

The premium is the amount of money that the policyholder, that is, the insured, is obliged to pay to the insurer for the purpose of insurance as security against a certain risk.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n <\/span>\n\n \n Can insurance premium can be lower during time?<\/span>\n\n \n
\n
\n \n <\/i>\n <\/div>\n\n
\n \n <\/i>\n <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

In some cases there is posibility to have better offer compared to the last year.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t
\n
\n\n \n
\n
\n \n \n What is the cost of insurance broker services?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

Our client services are free. Insurance Financial Solutions has signed contracts with insurance companies from which it collects a brokerage commission. Therefore, this service is paid for by the insurance company, not the client.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n What documentation is required when hiring an insurance brokerage company?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

It is necessary to sign a brokerage agreement and a power of attorney by which the client authorizes us to request offers on the client's behalf in order to conclude an insurance contract. Of course, the documentation is given to the client for inspection and adjusted to the client's needs. It is important to note that if the client wishes to terminate the contract, the client can do so without any legal consequences.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n Do all insurance companies have equal coverage and premiums?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

They don't have. The insurance offers of different insurance companies differ both in the scope and type of coverage, as well as in the amount of the premium. Each insurance company has its own unique premium calculation, as well as unique general and additional insurance terms and conditions.<\/p>

That is why it is desirable to have an insurance broker who will know the conditions of all insurance companies and point out to the client the existing differences and advantages of some and the disadvantages of other conditions.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n How can we know that the insurance premium presented by the broker is competitive, i.e. lower than the insurer's offer?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

The provision that the broker contracts with the insurance company is that the insurance premium, which is offered in response to a specific client's request, cannot be higher than the independently given offer of the insurance company if the client were to contact them directly.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n Does the broker participate in making claims for compensation?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

Yes, the obligation of the insurance broker is to help the client in making claims for compensation and to offer advisory and other assistance.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n What is an insurance policy?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

A policy is a document that confirms that an insurance contract has been concluded.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n Who is the insurer?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

The insurance company with which the insurance contract is concluded is the insurer. It is a legal entity that assumes the risk of damage or destruction of things, the risk of premature death in case of personal insurance and other risks. That is why the insurer is called a professional risk bearer.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n Who is the insured and is it always the policyholder?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

The insured is an individual or a legal entity which concludes an insurance contract, thereby protecting themselves from unwanted risks. The insured does not have to be the policyholder. The policy holder is the person who concludes the insurance contract at the request of the insured and on behalf of the insured.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n What is an insurance premium?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

The premium is the amount of money that the policyholder, that is, the insured, is obliged to pay to the insurer for the purpose of insurance as security against a certain risk.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

\n
\n \n \n Can insurance premium can be lower during time?<\/span>\n\n \n
\n
\n \n <\/i> <\/div>\n\n
\n \n <\/i> <\/div>\n\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
\n\n
\n

In some cases there is posibility to have better offer compared to the last year.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Koja je cijena usluga posrednika u osiguranju? Na\u0161e usluge za klijenta su besplatne. Insurance Financial Solutions ima potpisane ugovore sa osiguravaju\u0107im ku\u0107ama od kojih napla\u0107uje brokersku proviziju. Dakle, ovu uslugu pla\u0107a osiguravaju\u0107a ku\u0107a, a ne klijent. \u0160ta je potrebno od dokumentacije prilikom anga\u017eovanja dru\u0161tva za posredovanje u osiguranju? Potrebno je potpisati ugovor o posredovanju i […]<\/p>","protected":false},"author":1,"featured_media":5416,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template\/full-width-template.php","meta":[],"yoast_head":"\nNaj\u010de\u0161\u0107a pitanja i odgovori - IFS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ifs.co.me\/en\/najcesca-pitanja-i-odgovori\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Naj\u010de\u0161\u0107a pitanja i odgovori - IFS\" \/>\n<meta property=\"og:description\" content=\"Koja je cijena usluga posrednika u osiguranju? Na\u0161e usluge za klijenta su besplatne. Insurance Financial Solutions ima potpisane ugovore sa osiguravaju\u0107im ku\u0107ama od kojih napla\u0107uje brokersku proviziju. Dakle, ovu uslugu pla\u0107a osiguravaju\u0107a ku\u0107a, a ne klijent. \u0160ta je potrebno od dokumentacije prilikom anga\u017eovanja dru\u0161tva za posredovanje u osiguranju? Potrebno je potpisati ugovor o posredovanju i […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ifs.co.me\/en\/najcesca-pitanja-i-odgovori\/\" \/>\n<meta property=\"og:site_name\" content=\"IFS\" \/>\n<meta property=\"article:modified_time\" content=\"2021-05-19T19:50:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ifs.co.me\/wp-content\/uploads\/2021\/03\/people-FQ8LQMX-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1586\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/\",\"url\":\"https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/\",\"name\":\"Naj\u010de\u0161\u0107a pitanja i odgovori - IFS\",\"isPartOf\":{\"@id\":\"https:\/\/ifs.co.me\/#website\"},\"datePublished\":\"2019-08-19T06:59:54+00:00\",\"dateModified\":\"2021-05-19T19:50:43+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/ifs.co.me\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Naj\u010de\u0161\u0107a pitanja i odgovori\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ifs.co.me\/#website\",\"url\":\"https:\/\/ifs.co.me\/\",\"name\":\"IFS\",\"description\":\"Insurance Financial Solutions\",\"publisher\":{\"@id\":\"https:\/\/ifs.co.me\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ifs.co.me\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/ifs.co.me\/#organization\",\"name\":\"IFS\",\"url\":\"https:\/\/ifs.co.me\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ifs.co.me\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ifs.co.me\/wp-content\/uploads\/2022\/10\/Background.png\",\"contentUrl\":\"https:\/\/ifs.co.me\/wp-content\/uploads\/2022\/10\/Background.png\",\"width\":2844,\"height\":720,\"caption\":\"IFS\"},\"image\":{\"@id\":\"https:\/\/ifs.co.me\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Naj\u010de\u0161\u0107a pitanja i odgovori - IFS","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ifs.co.me\/en\/najcesca-pitanja-i-odgovori\/","og_locale":"en_US","og_type":"article","og_title":"Naj\u010de\u0161\u0107a pitanja i odgovori - IFS","og_description":"Koja je cijena usluga posrednika u osiguranju? Na\u0161e usluge za klijenta su besplatne. Insurance Financial Solutions ima potpisane ugovore sa osiguravaju\u0107im ku\u0107ama od kojih napla\u0107uje brokersku proviziju. Dakle, ovu uslugu pla\u0107a osiguravaju\u0107a ku\u0107a, a ne klijent. \u0160ta je potrebno od dokumentacije prilikom anga\u017eovanja dru\u0161tva za posredovanje u osiguranju? Potrebno je potpisati ugovor o posredovanju i […]","og_url":"https:\/\/ifs.co.me\/en\/najcesca-pitanja-i-odgovori\/","og_site_name":"IFS","article_modified_time":"2021-05-19T19:50:43+00:00","og_image":[{"width":2560,"height":1586,"url":"https:\/\/ifs.co.me\/wp-content\/uploads\/2021\/03\/people-FQ8LQMX-scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/","url":"https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/","name":"Naj\u010de\u0161\u0107a pitanja i odgovori - IFS","isPartOf":{"@id":"https:\/\/ifs.co.me\/#website"},"datePublished":"2019-08-19T06:59:54+00:00","dateModified":"2021-05-19T19:50:43+00:00","breadcrumb":{"@id":"https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/ifs.co.me\/najcesca-pitanja-i-odgovori\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/ifs.co.me\/"},{"@type":"ListItem","position":2,"name":"Naj\u010de\u0161\u0107a pitanja i odgovori"}]},{"@type":"WebSite","@id":"https:\/\/ifs.co.me\/#website","url":"https:\/\/ifs.co.me\/","name":"IFS","description":"Insurance Financial Solutions","publisher":{"@id":"https:\/\/ifs.co.me\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ifs.co.me\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/ifs.co.me\/#organization","name":"IFS","url":"https:\/\/ifs.co.me\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ifs.co.me\/#\/schema\/logo\/image\/","url":"https:\/\/ifs.co.me\/wp-content\/uploads\/2022\/10\/Background.png","contentUrl":"https:\/\/ifs.co.me\/wp-content\/uploads\/2022\/10\/Background.png","width":2844,"height":720,"caption":"IFS"},"image":{"@id":"https:\/\/ifs.co.me\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/ifs.co.me\/en\/wp-json\/wp\/v2\/pages\/111"}],"collection":[{"href":"https:\/\/ifs.co.me\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ifs.co.me\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ifs.co.me\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ifs.co.me\/en\/wp-json\/wp\/v2\/comments?post=111"}],"version-history":[{"count":0,"href":"https:\/\/ifs.co.me\/en\/wp-json\/wp\/v2\/pages\/111\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ifs.co.me\/en\/wp-json\/wp\/v2\/media\/5416"}],"wp:attachment":[{"href":"https:\/\/ifs.co.me\/en\/wp-json\/wp\/v2\/media?parent=111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}