{"id":111,"date":"2019-08-19T06:59:54","date_gmt":"2019-08-19T06:59:54","guid":{"rendered":"https:\/\/ifs.co.me\/?page_id=111"},"modified":"2025-01-24T08:27:36","modified_gmt":"2025-01-24T08:27:36","slug":"najcesca-pitanja-i-odgovori","status":"publish","type":"page","link":"https:\/\/ifsps.co.rs\/en\/najcesca-pitanja-i-odgovori\/","title":{"rendered":"FAQ"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"111\" class=\"elementor elementor-111\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c1d01a7 elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c1d01a7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6bd5acdf\" data-id=\"6bd5acdf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b88a0e8 service-faq elementor-widget elementor-widget-elementskit-accordion\" data-id=\"b88a0e8\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a45956cec1b9\">\n\n            \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-b88a0e8\">\n                        <a href=\"#collapse-2a8e9a26a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2a8e9a26a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-2a8e9a26a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Koja je cena usluga posrednika u osiguranju?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2a8e9a26a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-0-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Na\u0161e usluge za klijenta su besplatne. IFS Poslovni sisitem ima potpisane ugovore sa osiguravaju\u0107im ku\u0107ama od kojih napla\u0107uje brokersku proviziju. Dakle, ovu uslugu pla\u0107a osiguravaju\u0107a ku\u0107a, a ne klijent.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-b88a0e8\">\n                        <a href=\"#collapse-7a939aa6a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7a939aa6a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-7a939aa6a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What documentation is required when hiring an insurance brokerage company?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7a939aa6a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-1-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Potrebno je potpisati ugovor o posredovanju i punomo\u0107je kojim nas klijent ovla\u0161\u0107uje da tra\u017eimo ponude u njegovo ime u cilju zaklju\u010denja ugovora o osiguranju. Naravno, klijentu se dokumentacija daje na uvid i uskla\u0111uje sa njegovim potrebama. Va\u017eno je napomenuti da ukoliko klijent po\u017eeli raskinuti ugovor, to mo\u017ee uraditi bez ikakvih pravnih posledica.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-b88a0e8\">\n                        <a href=\"#collapse-b2c4d4a6a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b2c4d4a6a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-b2c4d4a6a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Do all insurance companies have equal coverage and premiums?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b2c4d4a6a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-2-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>They don't have. The insurance offers of different insurance companies differ both in the scope and type of coverage, as well as in the amount of the premium. Each insurance company has its own unique premium calculation, as well as unique general and additional insurance terms and conditions.<\/p><p>That is why it is desirable to have an insurance broker who will know the conditions of all insurance companies and point out to the client the existing differences and advantages of some and the disadvantages of other conditions.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-b88a0e8\">\n                        <a href=\"#collapse-a6e93816a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a6e93816a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-a6e93816a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">How can we know that the insurance premium presented by the broker is competitive, i.e. lower than the insurer's offer?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a6e93816a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-3-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Odredba koju broker ugovara sa dru\u0161tvom za osiguranje je da premija osiguranja, a koja se nudi kao odgovor na zahtev odre\u0111enog klijenta, ne mo\u017ee biti ve\u0107a od samostalno date ponude osiguravaju\u0107e ku\u0107e ukoliko bi se klijent njima obratio direktno.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-b88a0e8\">\n                        <a href=\"#collapse-1535b2c6a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1535b2c6a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-1535b2c6a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Does the broker participate in making claims for compensation?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1535b2c6a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-4-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Da, obaveza posrednika u osiguranju je da klijentu pomogne u realizaciji od\u0161tetnih zahteva i da ponudi savetodavnu i drugu pomo\u0107.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-b88a0e8\">\n                        <a href=\"#collapse-cb06fcf6a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-cb06fcf6a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-cb06fcf6a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What is an insurance policy?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-cb06fcf6a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-5-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A policy is a document that confirms that an insurance contract has been concluded.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-b88a0e8\">\n                        <a href=\"#collapse-45c5c136a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-45c5c136a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-45c5c136a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Who is the insurer?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-45c5c136a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-6-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Dru\u0161tvo za osiguranje sa kojim se zaklju\u010duje ugovor o osiguranju je osigurava\u010d. To je pravno lice koje na sebe preuzima rizik zbog o\u0161te\u0107enja ili uni\u0161tenja stvari, rizik prevremene smrti kod osiguranja lica i druge rizike. Osigurava\u010d se zato i naziva profesionalni nosilac rizika.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-b88a0e8\">\n                        <a href=\"#collapse-e30c60d6a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-e30c60d6a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-e30c60d6a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Ko je osiguranik i da li je on uvek ugovara\u010d osiguranja?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-e30c60d6a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-7-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Osiguranik je fizi\u010dko ili pravno lice koje zaklju\u010duje ugovor o osiguranju \u0161tite\u0107i se na taj na\u010din od ne\u017eeljenih rizika. Osiguranik i ne mora biti ugovara\u010d osiguranja. Ugovara\u010d je lice koje na zahtev osiguranika i u njegovo ime zaklju\u010duje ugovor o osiguranju.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-b88a0e8\">\n                        <a href=\"#collapse-5883f136a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-5883f136a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-5883f136a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What is an insurance premium?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-5883f136a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-8-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Premija je nov\u010dani iznos koji je ugovara\u010d osiguranja, odnosno osiguranik, du\u017ean platiti osigurava\u010du u cilju osiguranja kao obezbe\u0111enja od odre\u0111enog rizika.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-b88a0e8\">\n                        <a href=\"#collapse-25671036a45956cec1b9\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-25671036a45956cec1b9\" aria-expanded=\"false\" aria-controls=\"Collapse-25671036a45956cec1b9\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Can insurance premium can be lower during time?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                                                                        <i class=\"icon icon-plus icon-open icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                                                                        <i class=\"icon icon-minus icon-closed icon-right\" aria-hidden=\"true\"><\/i>\n                                                                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-25671036a45956cec1b9\" class=\"collapse\" aria-labelledby=\"primaryHeading-9-b88a0e8\" data-parent=\"#accordion-6a45956cec1b9\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>In some cases there is posibility to have better offer compared to the last year.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                        <\/div>\n    <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f7811b3 elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f7811b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b14a4a\" data-id=\"6b14a4a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a289eb service-faq elementor-widget elementor-widget-elementskit-accordion\" data-id=\"0a289eb\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a45956d026d1\">\n\n            \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-0a289eb\">\n                        <a href=\"#collapse-2a8e9a26a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2a8e9a26a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-2a8e9a26a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">What is the cost of insurance broker services?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2a8e9a26a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-0-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Our client services are free. Insurance Financial Solutions has signed contracts with insurance companies from which it collects a brokerage commission. Therefore, this service is paid for by the insurance company, not the client.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-0a289eb\">\n                        <a href=\"#collapse-7a939aa6a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7a939aa6a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-7a939aa6a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">What documentation is required when hiring an insurance brokerage company?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7a939aa6a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-1-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>It is necessary to sign a brokerage agreement and a power of attorney by which the client authorizes us to request offers on the client's behalf in order to conclude an insurance contract. Of course, the documentation is given to the client for inspection and adjusted to the client's needs. It is important to note that if the client wishes to terminate the contract, the client can do so without any legal consequences.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-0a289eb\">\n                        <a href=\"#collapse-b2c4d4a6a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b2c4d4a6a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-b2c4d4a6a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">Do all insurance companies have equal coverage and premiums?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b2c4d4a6a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-2-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>They don't have. The insurance offers of different insurance companies differ both in the scope and type of coverage, as well as in the amount of the premium. Each insurance company has its own unique premium calculation, as well as unique general and additional insurance terms and conditions.<\/p><p>That is why it is desirable to have an insurance broker who will know the conditions of all insurance companies and point out to the client the existing differences and advantages of some and the disadvantages of other conditions.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-0a289eb\">\n                        <a href=\"#collapse-a6e93816a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a6e93816a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-a6e93816a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">How can we know that the insurance premium presented by the broker is competitive, i.e. lower than the insurer's offer?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a6e93816a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-3-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The provision that the broker contracts with the insurance company is that the insurance premium, which is offered in response to a specific client's request, cannot be higher than the independently given offer of the insurance company if the client were to contact them directly.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-0a289eb\">\n                        <a href=\"#collapse-1535b2c6a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1535b2c6a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-1535b2c6a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">Does the broker participate in making claims for compensation?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1535b2c6a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-4-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, the obligation of the insurance broker is to help the client in making claims for compensation and to offer advisory and other assistance.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-0a289eb\">\n                        <a href=\"#collapse-cb06fcf6a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-cb06fcf6a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-cb06fcf6a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">What is an insurance policy?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-cb06fcf6a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-5-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A policy is a document that confirms that an insurance contract has been concluded.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-0a289eb\">\n                        <a href=\"#collapse-45c5c136a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-45c5c136a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-45c5c136a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">Who is the insurer?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-45c5c136a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-6-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The insurance company with which the insurance contract is concluded is the insurer. It is a legal entity that assumes the risk of damage or destruction of things, the risk of premature death in case of personal insurance and other risks. That is why the insurer is called a professional risk bearer.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-0a289eb\">\n                        <a href=\"#collapse-e30c60d6a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-e30c60d6a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-e30c60d6a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">Who is the insured and is it always the policyholder?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-e30c60d6a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-7-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The insured is an individual or a legal entity which concludes an insurance contract, thereby protecting themselves from unwanted risks. The insured does not have to be the policyholder. The policy holder is the person who concludes the insurance contract at the request of the insured and on behalf of the insured.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-0a289eb\">\n                        <a href=\"#collapse-d96868f6a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-d96868f6a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-d96868f6a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">What is an insurance premium?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-d96868f6a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-8-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The premium is the amount of money that the policyholder, that is, the insured, is obliged to pay to the insurer for the purpose of insurance as security against a certain risk.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-0a289eb\">\n                        <a href=\"#collapse-25671036a45956d026d1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-25671036a45956d026d1\" aria-expanded=\"false\" aria-controls=\"Collapse-25671036a45956d026d1\">\n                            \n                            <span class=\"ekit-accordion-title\">Can insurance premium can be lower during time?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right fasicon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right fasicon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-25671036a45956d026d1\" class=\"collapse\" aria-labelledby=\"primaryHeading-9-0a289eb\" data-parent=\"#accordion-6a45956d026d1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>In some cases there is posibility to have better offer compared to the last year.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                        <\/div>\n    <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Koja je cena usluga posrednika u osiguranju? Na\u0161e usluge za klijenta su besplatne. IFS Poslovni sisitem ima potpisane ugovore sa osiguravaju\u0107im ku\u0107ama od kojih napla\u0107uje brokersku proviziju. Dakle, ovu uslugu pla\u0107a osiguravaju\u0107a ku\u0107a, a ne klijent. \u0160ta je potrebno od dokumentacije prilikom anga\u017eovanja dru\u0161tva za posredovanje u osiguranju? Potrebno je potpisati ugovor o posredovanju i [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5416,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template\/full-width-template.php","meta":{"footnotes":""},"class_list":["post-111","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Naj\u010de\u0161\u0107a pitanja i odgovori - IFSPS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ifsps.co.rs\/en\/najcesca-pitanja-i-odgovori\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Naj\u010de\u0161\u0107a pitanja i odgovori - IFSPS\" \/>\n<meta property=\"og:description\" content=\"Koja je cena usluga posrednika u osiguranju? Na\u0161e usluge za klijenta su besplatne. IFS Poslovni sisitem ima potpisane ugovore sa osiguravaju\u0107im ku\u0107ama od kojih napla\u0107uje brokersku proviziju. Dakle, ovu uslugu pla\u0107a osiguravaju\u0107a ku\u0107a, a ne klijent. \u0160ta je potrebno od dokumentacije prilikom anga\u017eovanja dru\u0161tva za posredovanje u osiguranju? 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