Review of professional competency frameworks of insurance in selected countries presented by Dr. Gharahkhani in The 26th National Conference on Insurance and Development (NCOID) with the main theme of “Increasing Insurance Penetration Rate: Challenges and Strategies” will be held on December 3 and 4, 2019 in two sets of sessions namely academic sessions and general insurance industry sessions, according to PRIAO, IRC.

1. ‫ای‬ ‫حرفه‬ ‫صالحیت‬ ‫های‬ ‫نظام‬ ‫بررسی‬
‫در‬‫منتخب‬ ‫کشورهای‬
‫خانی‬ ‫قره‬ ‫محسن‬
‫رازی‬ ‫بیمه‬ ‫شرکت‬ ‫بازار‬ ‫توسعه‬ ‫معاون‬
‫بیمه‬ ‫صنعت‬ ‫ای‬ ‫حرفه‬ ‫انجمن‬ ‫عضو‬ ‫و‬ ‫آموزش‬ ‫مدیر‬

3. ‫منتخب‬ ‫کشورهای‬ ‫در‬ ‫ای‬ ‫حرفه‬ ‫صالحیت‬ ‫های‬ ‫نظام‬ ‫بررسی‬
•‫عربستان‬ ‫مالی‬ ‫آکادمی‬(SFA)
•‫لندن‬ ‫بیمه‬ ‫متخصصان‬ ‫موسسه‬(CII)
•‫آمریکا‬ ‫بیمه‬ ‫و‬ ‫رسک‬ ‫مدیریت‬ ‫انجمن‬(RIMS)
•‫ترکیه‬ ‫ای‬ ‫حرفه‬ ‫صالحیت‬ ‫چارچوب‬
•‫بیمه‬ ‫صنعت‬ ‫ای‬ ‫حرفه‬ ‫انجمن‬(PII)

4. Forbes Insurance salaries
• The 25 Highest-Paying Jobs In America In 2018
• 16. Financial Planning and Analysis Manager
• Median Base Salary: $102,155

5. Saudi Financial Academy

6. Competencies framework consists
• Competencies dictionary:
Defines the skills, knowledge, and abilities required in all different
levels of proficiency.
• Functional roles:
Provides detailed explanation for the roles, responsibilities, and main
tasks of the jobs.
• Career paths:
Represents a comprehensive collection of the main jobs in
the Financial Services Industry classified based on career paths and
professional levels that reflect career horizontal and vertical
progression.
• Linking competencies with functional roles:
Demonstrates minimum requirements of jobs' behavioural and
technical competencies in all its different levels.

7. Competencies Definition
• The concept of competency can be defined as a set of
skills, knowledge, behaviors, and technical
competencies and self-efficacy that help in
performing the job perfectly and effectively.
• The Financial Academy seeks to provide a
competencies framework of financial service sector

8. Insurance Sector Competencies
• Competencies
A competency is defined as the proficiency in applying knowledge and
skills to a particular functional role in order to achieve the level of
performance required to successfully carry out the tasks and
responsibilities related to that role.
– Knowledge: The concepts, theories, specialized knowledge, and
know-how that support a competence and allow its transfer from one
context to another.
– Skill: The application of knowledge to successfully accomplish a
task.
– Proficiency: The ability to apply knowledge and skills in the
workplace to achieve the level of performance required by the role.

9. Insurance Sector Competencies levels
• Fundamental Level: Newcomers to the Insurance sector.
• Novice Level: Employees working in entry-level and
operational jobs.
• Intermediate Level: Employees participating in
decision-making in both operational and specialized functions.
• Advanced Level: Employees working in higher roles that
require general knowledge of operational and specialized functions in the
organization in addition to managing relationships with key stakeholders
and managing strategy and business planning functions.

10. Ability
Ability is an innate quality that one ‘does’ or ‘does not’
possess, ability is not something that can be learned or developed
unless it is there to begin with. Simply, abilities are the qualities
needed to perform certain behaviors and whether someone is able
or not is dependent on their pre-existing qualities. You can think
of this much like potential.
 If someone has a high degree of the underlying qualities needed to give
them ability, then that ability can be translated into, and practiced as a
skill.

11. Skill
• A skill is something learned through experience. It is used to
carry out complex activities or job functions to achieve pre-
determined results. A skill is not an innate behavior and must
be developed and improved with practice. A skill can be
developed through getting specific training or learning as you
go, but always starts off as unfamiliar.

12. Knowledge
• Knowledge is the level of education, experience or training
that an individual must have at a minimum to be considered
qualified for a role. For example, some job advertisements
may state that they are willing to accept graduates for a role,
while others may state that the applicant must have 5 years of
experience in a similar role. Knowledge can be further
described as the theoretical or practical understanding of a
subject, or the ability to apply the information to different
situations.

13. Competence

14. 14

15. 15

18. INSURANCE COMPETENCY FRAMEWORK
• Levels
• Each competency is divided into 4 levels
providing a pathway from induction to
professional level:
• Stage 1 – Induction
• Stage 2 – Core competence
• Stage 3 – Key competence
• Stage 4 – Professional

19. INSURANCE COMPETENCY FRAMEWORK

20. INSURANCE COMPETENCY FRAMEWORK

21. Technical competencies
1. Insurance principles and practice
2. Insurance products and services
3. Legal knowledge
4. Compliance and operational risk knowledge
5. Assessing and transferring risk
6. Claims knowledge
7. Underwriting and pricing the risk

22. 1. Insurance principles and practice

23. Business competencies
1. Company and market knowledge
2. Understanding the customer
3. Communication skills
4. Management of information and data
5. Planning and organizing
6. People management
7. Negotiation and persuasion skills

24. Specialist underwriting competencies
1. Risk perception and assessment
2. Pricing the risk
3. Underwriting process
4. Underwriting management

25. INTERMEDIARY COMPETENCIES
1. The role and responsibilities of intermediaries
2. Negotiation and placement of risks
3. Intermediary operations
4. Claims handling

26. Specialist claims competencies
1. Claims notification and investigation
2. Claims settlement
3. Claims management

27. RIMS

31. Core Competency

32. Core Competency

33. Skills & Training: Five Key Insurance Skills
1. Communication & negotiation skills
2. Problem solving & analytical abilities
3. Customer service & client relationships
4. Numerical ability
5. Teamwork

34. Insurance Underwriters
• Summary Report for:
13-2053.00 - Insurance Underwriters
Review individual applications for insurance to evaluate degree
of risk involved and determine acceptance of applications.
• Sample of reported job titles:
Account Underwriter, Automobile and Property Underwriter,
Commercial Lines Underwriter, Health Underwriter, Life Underwriter,
Personal Lines Underwriter, Underwriter, Underwriting Consultant,
Underwriting Director, Underwriting Manager

35. Tasks
• Examine documents to determine degree of risk from factors
such as applicant health, financial standing and value, and
condition of property.
• Decline excessive risks.
• Write to field representatives, medical personnel, or others to
obtain further information, quote rates, or explain company
underwriting policies.
• Evaluate possibility of losses due to catastrophe or excessive
insurance.
• Review company records to determine amount of insurance in
force on single risk or group of closely related risks.

36. Technology Skills
• Document management software — FileNet Content Manager
• Enterprise resource planning ERP software — Anodas
Software Limited Phoenix; Consilience Software Maven
Insurance Automation Suite; SIS SEMCI PARTNER; Skywire
Software InsBridge
• Financial analysis software — Delphi Technology ; Fannie
Mae Desktop Underwriter; RGA Facultative Application
Console; Valen Technologies Risk Manager
• Office suite software — Microsoft Office
• Spreadsheet software — Microsoft Excel

37. Knowledge
• English Language — Knowledge of the structure and content of the
English language including the meaning and spelling of words, rules of
composition, and grammar.
• Customer and Personal Service — Knowledge of principles and
processes for providing customer and personal services. This includes
customer needs assessment, meeting quality standards for services, and
evaluation of customer satisfaction.
• Mathematics — Knowledge of arithmetic, algebra, geometry, calculus,
statistics, and their applications.
• Sales and Marketing — Knowledge of principles and methods for
showing, promoting, and selling products or services. This includes
marketing strategy and tactics, product demonstration, sales techniques,
and sales control systems.

38. Skills
• Active Listening — Giving full attention to what other people
are saying, taking time to understand the points being made,
asking questions as appropriate, and not interrupting at
inappropriate times.
• Critical Thinking — Using logic and reasoning to identify the
strengths and weaknesses of alternative solutions, conclusions
or approaches to problems.
• Reading Comprehension — Understanding written sentences
and paragraphs in work related documents.
• Writing — Communicating effectively in writing as
appropriate for the needs of the audience.
• Speaking — Talking to others to convey information
effectively.

39. Abilities
• Written Comprehension — The ability to read and
understand information and ideas presented in writing.
• Inductive Reasoning — The ability to combine pieces of
information to form general rules or conclusions (includes
finding a relationship among seemingly unrelated events).
• Written Expression — The ability to communicate
information and ideas in writing so others will understand.
• Oral Expression — The ability to communicate information
and ideas in speaking so others will understand.
• Deductive Reasoning — The ability to apply general rules to
specific problems to produce answers that make sense.

40. Turkey

41. Turkish Qualifications Framework Level Descriptors

45. Turkish Qualifications Framework Qualification Types

46. Members of Turkish Qualifications Framework Feedback
Forum

47. ‫ای‬ ‫حرفه‬ ‫صالحیت‬ ‫های‬ ‫نظام‬ ‫بررسی‬
•‫مهارت‬:‫مطلب‬ ‫درک‬ ‫انتقادی‬ ‫تفکر‬ ‫فعال‬ ‫دادن‬ ‫گوش‬ ‫نوشتن‬
•‫قابلیت‬:‫ارتباط‬ ‫برقراری‬ ‫مسله‬ ‫بیان‬ ‫استدالل‬ ‫خواندن‬
•‫دانش‬:‫آکادمیک‬ ‫تحصیالت‬
•‫صالحیت‬:‫شایستگی‬=‫دانایی‬

48. ‫ای‬ ‫حرفه‬ ‫انجمن‬ ‫تعالی‬ ‫و‬ ‫یادگیری‬ ‫نظام‬

49. ‫حرفه‬‫صالحیت‬ ‫گواهی‬ ‫اعطای‬ ‫شرایط‬‫ای‬
•‫گواهی‬‫ز‬ ‫شرایط‬ ‫با‬ ‫سطح‬ ‫پنج‬ ‫در‬ ‫انجمن‬ ‫ای‬ ‫حرفه‬ ‫صالحیت‬‫یر‬
‫شود‬ ‫می‬ ‫اعطاء‬ ‫متقاضیان‬ ‫به‬ ‫سال‬ ‫سه‬ ‫مدت‬ ‫برای‬ ‫و‬.
•‫صالحی‬ ‫حفظ‬ ‫و‬ ‫الزم‬ ‫بازآموزی‬ ‫به‬ ‫منوط‬ ‫افراد‬ ‫گواهی‬ ‫تمدید‬‫ت‬
‫ای‬ ‫حرفه‬,‫است‬ ‫مربوطه‬ ‫دستورالعمل‬ ‫مطابق‬.

50. ‫حرفه‬ ‫صالحیت‬‫بیمه‬ ‫ای‬
‫مقدماتی‬ ‫سطح‬(‫سطح‬1)
‫تحصیالت‬‫حرفه‬ ‫فعالیت‬ ‫سابقه‬ ‫دوسال‬ ‫با‬ ‫دیپلم‬ ‫حداقل‬‫ای‬
‫موفقیت‬‫در‬‫آزمون‬
‫عمومی‬‫سطح‬(‫سطح‬2)
‫لیسانس‬‫مقدماتی‬ ‫ای‬ ‫حرفه‬ ‫صالحیت‬ ‫گواهی‬ ‫یا‬ ‫مرتبط‬
‫پنج‬‫حرفه‬ ‫فعالیت‬ ‫سال‬‫ای‬
‫موفقیت‬‫در‬‫آزمون‬‫عمومی‬
‫انتشار‬‫مقاله‬ ‫یک‬‫ترویجی‬

51. ‫ای‬ ‫حرفه‬ ‫صالحیت‬
‫سطح‬‫تخصصی‬-‫رشته‬(‫سطح‬3)
‫با‬ ‫مرتبط‬ ‫لیسانس‬10‫عمومی‬ ‫سطح‬ ‫ای‬ ‫حرفه‬ ‫گواهی‬ ‫یا‬ ‫ای‬ ‫حرفه‬ ‫سابقه‬ ‫سال‬
5‫ای‬ ‫حرفه‬ ‫فعالیت‬ ‫سابقه‬ ‫سال‬
‫در‬ ‫موفقیت‬‫آزمون‬‫و‬‫تخصصی‬ ‫مصاحبه‬
‫سال‬ ‫یک‬‫موفق‬ ‫پذیری‬ ‫هدایت‬
‫ای‬ ‫حرفه‬‫سطح‬(‫سطح‬4)
‫ارشد‬ ‫سطح‬ ‫اجرایی‬ ‫کار‬ ‫سال‬ ‫سه‬
‫دو‬‫سال‬ ‫نفر‬‫گری‬ ‫هدایت‬
‫موفقیت‬‫در‬‫آزمون‬‫پیشرفته‬
‫عالی‬ ‫سطح‬-‫فلوشیپ‬(‫سطح‬5)
‫گواهی‬‫پیشرفته‬ ‫تخصصی‬ ‫صالحیت‬
‫یک‬‫سال‬‫پژوهش‬‫های‬ ‫چالش‬ ‫حل‬ ‫برای‬ ‫تیمی‬‫بیمه‬ ‫صنعت‬
‫پایان‬‫نامه‬‫تخصصی‬،‫دفاع‬+‫مقاله‬ ‫انتشار‬

52. http://pii.ir/
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