Insurance Agents in Indonesia in the Era of Industrial Revolution 4.0

In the current era of industrial revolution 4.0, insurance companies can sell insurance products by combining their distribution channels. This distribution channel includes through the internet or website, direct sales by companies, bank assurance, and sales through agents. For motor vehicle insurance, data in 2018 shows that only nine general insurance companies provide online applications to purchase motor vehicle insurance products which indicate that the utilization of the company’s official website is not optimal. In general, insurance companies still rely on agents as marketers of their products. To improve the ability of agents, insurance agents must be competent. For this reason, insurance agents must take the certification exam held by the Indonesian General Insurance Association (AAUI). This study aims to provide an overview of general insurance agents in Indonesia that have been certified. Data sourced from the Financial Services Authority (OJK) and AAUI shows that there are still many general insurance agents that have not met these competencies. To make it easier for insurance agents to take a certification exam, AAUI has issued an e-certificate.