精算师

A specialist in the mathematics of insurance who calculates rates, 储备, dividends and other statistics. (Americanism: In most other countries the individual is known as "mathematician.")

调整器

A representative of the insurer who seeks to determine the extent of the insurer's liability for loss when a claim is submitted.

代理

An individual who sells and services insurance policies in either of two classifications:

1. Independent agent represents at least two insurance companies and (at least in theory) services clients by searching the market for the most advantageous price for the most coverage. The agent's commission is a percentage of each premium paid and includes a fee for servicing the insured's policy.
    
2. Direct or career agent represents only one company and sells only its policies. This agent is paid on a commission basis in much the same manner as the independent agent.

代理

Insurance salesperson that searches the marketplace in the interest of clients, 不是保险公司.

被代理

A representative of a single insurer or fleet of insurers who is obliged to submit business only to that company, 或者至少是这样, give that company first refusal rights on a sale. 作为交换, that insurer usually provides its captive agents with an allowance for office expenses as well as an extensive list of employee benefits such as pensions, 人寿保险, 健康保险, 还有信用合作社.

Chartered Property and Casualty 保险人 (CPCU)

A Professional designation earned after the successful completion of 10 national examinations given by the American Institute for Property and Liability 保险人s. Covers such areas of expertise as insurance, 风险管理, 经济学, 金融, 管理, 会计, 和法律. Three years of work experience also are required in the insurance business or a related area.

理赔人

A representative of the insurer who seeks to determine the extent of the insurer's liability for loss when a claim is submitted. Independent insurance adjusters are hired by insurance companies on an "as needed" basis and might work for several insurance companies at the same time. Independent adjusters charge insurance companies both by the hour and by miles traveled. Public adjusters work for the insured in the settlement of claims and receive a percentage of the claim as their fee. A.M. Best's 目录 of Recommended 保险代理人s and 调整器s lists independent adjusters only.

保险代理人

An attorney who practices the law as it relates to insurance matters. Attorneys might be solo practitioners or work as part of a law firm. Insurance companies who retain attorneys to defend them against law suits might hire staff attorneys to work for them in-house or they might retain attorneys on an as-needed basis. A.M. Best's 目录 of Recommended Attorneys and 调整器s lists insurance defense attorneys who concentrate their practice in insurance defense such as coverage issues, 不守信用, 医疗事故, 产品质量责任, 以及工人赔偿.

风险分析师

调查, evaluates and resolves claims from property liability, 医疗事故, and fleet vehicle loss; consults with County departments to minimize risk and safety exposures; assists in administration of Injury and illness Prevention Program (IIPP), 工人的补偿, 家庭医疗休假法.

风险经理

The individual in an organization responsible for evaluation of the organization's exposures, and controlling these such means as avoidance or transference, 至于保险公司.

保险人

The individual trained in evaluating risks and determining rates and coverages for them. 另外，保险公司.