Ai colleghi intermediari assicurativi

Cari colleghi Intermediari Assicurativi,

siamo stati inseriti tra le categorie professionali indispensabili e già questo è un aspetto importante, non solo perché ci ha consentito di mantenere operative, in qualche modo, le nostre attività, quanto perché è il riconoscimento del nostro ruolo sociale che spesso, purtroppo, viene sottovalutato.

Certamente tutti noi siamo già consci della riduzione del fatturato che ci sarà nel mese di Marzo e siamo consapevoli che il protrarsi di questa situazione nei mesi avvenire porterà ulteriori riduzioni degli incassi e delle provvigioni.

Il mio pensiero va in particolare a quei colleghi specializzati in alcuni settori, quali ad esempio la raccolta oppure nei confronti dei colleghi più giovani, almeno professionalmente, che non potendo contare su un portafoglio già costituito, non beneficiano nemmeno delle provvigioni ricorrenti.

Personalmente in questo periodo sto continuando a lavorare ma evidentemente, come tutti, ho più tempo per fare delle analisi sulla mia azienda e sul futuro.

Penso che questa fase debba essere presa per i pochi aspetti positivi che può rappresentare, lavorativamente parlando, e cioe’ la possibilità di riflettere, di analizzare quello che stavamo facendo fino ad un mese fa, per capire se siamo o meno sulla strada giusta, la possibilità di formarci, la possibilità di approfondire tecnicamente alcuni aspetti del nostro lavoro o cominciare a studiare settori piu’ particolari che abbiamo fin quì trascurato.

Molti di noi lavorano quasi esclusivamente sul settore rc auto, cercando continuamente tariffe sempre piu’ basse, abbattendo i premi e di conseguenza i ricavi.

Tranne poche strutture organizzate e con volumi importanti, gli altri, la maggioranza dei singoli intermediari soffre questa situazione di cui pero’ e’ complice.

Se analizziamo i redditi di un intermediario medio e defalchiamo le spese di agenzia, del personale, se presente, delle tasse e della previdenza obbligatoria, ci rendiamo conto che non si guadagna nemmeno uno stipendio medio pur avendo tante responsabilità e poche tutele.

Questi giorni possano consentirci una riflessione.

Le mie parole non vogliono affatto scoraggiare nessuno, il nostro è il lavoro piu’ bello del mondo, ci mette in contatto con tante persone e puo’ dare grandissime soddisfazioni sia economiche che professionali.

Io lavoro nel settore dal Dicembre del 1998 e ancora oggi mi sveglio la mattina contento della strada che ho intrapreso e della mia professione.

Le mie parole rappresentano solo la voglia di condividere e consigliare, se mi posso permettere, di valutare strade diverse, approcci diversi con la clientela, sperimentare settori assicurativi meno affollati e piu’ remunerativi.

Sono a disposizione di chiunque voglia approfondire.

Ad Maiora

Stefano Filogonio



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