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Re-insurers - These firms act to insure the insurers against the risk of heavy losses.

Insurance brokers - These are intermediaries who sell insurance products, especially to the corporate market.

Lloyds market - This market is composed of about 80 corporations, individuals, underwriters and financial backers, or syndicates, who act together to spread risk. It's also home to 176 broking firms.

Bancassurance - A partnership between an insurance firm and a bank. In this partnership, the insurer uses the bank to sell its products.

Financial jobs in insurance can also fall under several different categories. These are:

Underwriting - Underwriters assess people and not products. Underwriting jobs involve extensive risk analysis. They are responsible for preparing quotes after researching statistics on industries, demographics and individual clients.

Actuarial - Actuaries produce financial models based on the statistical analysis of risk. An actuary job in a life insurance firm would involve producing mortality projections, as an example. These models are used by underwriters in their analysis as above. Actuaries must possess specific professional qualifications which can take several years to complete and usually require incredibly good math skills. Senior actuaries may also represent the company with the regulator on local statutory and solvency issues.

Product - Product positions require developing the firm's existing products and introducing ideas for new ones, based on market trends, established consumer needs and knowledge from the sales team. Product personnel can come from an actuarial background.

Investment - Investment jobs naturally require investing the insurance firm's funds. Investment employees monitor and create investment strategies to minimize the risks and maximize returns in accordance with all regulations.

Broking - Insurance brokers are salespeople who set out to match individual and corporate customers with the right insurance products. They work in insurance brokerages, which vary in size from small local firms to immense global organizations.

Sales - Insurance companies may also have internal sales teams. In bancassurance, consumers deal directly with salespeople who work at the bank, like tellers and financial consultants. Bank staff is usually supported by the insurance company through things like product information, marketing campaigns and sales training.

Claims - Many people working in insurance have jobs in claims divisions. These people are responsible for assessing insurance claims from customers. Specific positions can include fraud detection and claims investigation.