WHILE most school-leavers and PLC graduates will begin work in administrative positions, many will progress to more specialised jobs, including those described below.

UNDERWRITERS are the risktakers. They devise policies to meet insurance needs and negotiate premiums and policy terms with the broker. The broker acts as the intermediary between the insurance companies and his or her clients. He or she is committed to getting the best deal for the client.

LOSS ADJUSTERS are independent professionals, commissioned by the insurance companies to investigate claims, determine validity and recommend levels of payment.

ACTUARIES are strategists who use statistical and mathematical models to predict risk and longterm returns. Risk managers identify areas where the company is exposed to risk and then minimise those risks. (Source: The Chartered Insurance Institute).

There is a trend towards direct selling so there are an increasing number of jobs in the telesales area.