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The bank insurance model (BIM),
also sometimes known as bancassurance, is the partnership or relationship between a bank and an insurance company whereby the insurance company uses the bank sales channel in order to sell insurance products, an arrangement in which a bank and an insurance company form a partnership so that the insurance company can sell its products to the bank’s client base.
Insurance brokers
Insurance brokers act as intermediaries between clients, who can be either individuals or commercial businesses and organisations, and insurance companies.They act in the interest of their clients and offer products from more than one insurer to ensure that their clients get the best deal.