The modern insurance consultant must be on social media to know who the insured will trust, while he is in an advantageous position if he has access to all companies and not just one. 70% of car sales will be made in the future on the Internet, but the same will not happen with health and property insurance. A man of the market, Katerina Charalampidou, conveys her views to Underwriter.gr
of Christos Gavalas
Katerina Charalampidou, CEO of wedo.insure, highlights in underwriter.gr the importance of capturing what every insurer believes on the internet so that the potential customer who finds him knows who he is.
“It is necessary to interact with the insured on social media. This is not a matter of choice. “The modern insurer must be able to capture his beliefs and opinions on the internet in such a way that the other person, before reaching him, knows whose door he will knock on,” he said characteristically.
In fact, what impressed her, according to what she stated, is the fact that her colleagues and friends talked to her about things she did in her company, without her having informed them about it. There he realized the power of this interaction.
“We slowly organized 2-3 years ago and it strikes me that about a year ago, wherever I was, there were people who saw information from social networks and there was direct interaction. They told me enthusiastically that they were learning my news, without me telling them. “It is very important that the other person can get this information sortly and direct,” she said.
“70% of customers in the automotive industry will soon be looking for insurance on the Internet”
Making her assessments for the future, she said that “the car industry has already left us”, acknowledging that her own office may have significant production in the car but as she said she considers that it is something that simply exists, it is not something that they seek to develop because in the future everyone “will be on the Internet and looking for what suits them best”.
“There are already very strong companies that have the insurer completely out. “Thus, without commissions, insurance is much cheaper for the customer – if we exclude a percentage of 10% -30% of people who want to have their insurer and trust him, 70% will be all over the Internet”, he estimated.
“In Life or Property insurance, the Greek will not choose the internet”
However, she conveyed her respective assessment that it will not be easy to come to Greece when one looks to find insurance offers for Health, Life or Property on the internet.
“But I do not believe that the time will come when people will trust more an internet platform for pricing their life insurance, their health, their home. We are far behind in this and it will be too late to get there if we get there. “He needs a consultant, ideally with access to the whole market”, he pointed out.
“It is important for the consultant to have a picture of the whole market”
In fact, he gave special value to the prospect of such a consultant having exactly universal access to the market, in contrast to the one who knows very well the products of only one company.
“I think these insurers will be privileged and if they knock on the door of someone whose insurer has access to a single company, they will probably get the job. “When you know what is happening in the whole market and you can in a conversation with a potential customer to convey all the information targeted to his own needs because everyone has different, this is something that a platform can not do.”
“We worked harder during the health crisis”
Ms. Charalampidou revealed that during the pandemic, the Greek appreciated more the insurance necessity in the private sector while her company was found to work more to meet the needs of its customers, always focusing on the internet.
“Whenever we are in a time of crisis, especially now that it has to do with Health, people become much friendlier with the idea of getting a health contract. Throughout the pandemic we worked much harder than before because people felt insecure about the prospect of getting sick and having to be hospitalized in a public hospital when the NHS was under pressure, and secondly because people were in the first phase of confinement. he had more time to discuss the issue of his insurance “, she noted.
“We have insured 50 adopted animals for free since January”
As part of the “we do care pet” program, Ms. Charalampidou’s company – a lover of dogs from an early age – provides free insurance for one year of any adopted animal. As of January 2021, about 50 animals have benefited so far.
“Everyone who has contacted us and we have secured them with adoptions is very happy. Most people do not know that such a program exists. “So everyone is excited why they say there is such coverage?” she underlined.
Looking back at how her company came to sponsor such an animal welfare program, she stressed that initially the goal was “to have our own products that stand out in the market and that’s why we first created this product, named it and ‘we do care pet ‘, two years ago “.
MDRT gives the opportunity to each of its members once a year to propose a non-profit organization to be funded by the MDRT Foundation, with Ms. Charalampidou proposing Dog’s Voice in 2019. In the process, the company withdrew and the initiative was continued by itself, coming in contact through social media with many animal welfare companies, proposing cooperation without them having any financial burden.
* Katerina Charalampidou is a second generation insurer since her mother set up her insurance office in 1975 and she took over the entire management in 2003, when she finished her studies. Wedo.insure has an agency license and specializes in health and life.
To view the article at Underwriting press here.
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