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  An Insurance agent sells insurance products to customers. These customers could be individuals, corporations or groups. Insurance agents also help customers in filing their insurance claims, and getting them processed for payment. There are several kinds of insurance products currently available in the market. These include health, life, motor vehicle, property, marine and miscellaneous insurance etc. There are two kinds of insurance agents: captive and independent. The former can sell insurance products of a single insurer only while the latter may sell products of more than one insurers. There are some regulatory requirements for becoming aninsurance agent . The first and foremost among them is acquiring a license. Certification is also required before you start operating as an insurance agent. The requirements for obtaining an insurance agents’ license varies from state to state and country to country. Perquisites for Licensing There is a requirement for completing a pre

  HRs for small business is just as important as it is for any large corporation. Perhaps, its importance is even greater, since small businesses are, well, small. There is no room for error, as poorly-prepped and underperforming employees have nowhere to hide. In order to compete with larger competitors, small businesses need to be energetic, fresh, and nimble. To gain an edge over rivals, recruiting and retaining crucial staff is critical. Lack of an HR Department HRs for small business are few, largely because they do not have enough resources to build a highly-skilled workforce. Additionally, they are unable to acquire a flexible and productive workforce that allows small businesses to compete with other small businesses, let alone large corporations. You will be surprised to know that there many small businesses lack an HR department; in fact, they may not even have a person responsible for carrying out important HR-related tasks. According to the CIPD (Chartered Institute of Per