[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"seo-content-industry-insurance-de":3,"job-search-\u002Fen-de\u002Fjobs-by-industry\u002Finsurance?page=123":33,"industry-filters-\u002Fen-de\u002Fjobs-by-industry\u002Finsurance?page=123":421,"featured-jobs-\u002Fen-de\u002Fjobs-by-industry\u002Finsurance?page=123":661},{"image_path":4,"content_de":5,"content_en":18,"composite_key":31,"last_updated":32},"\u002Fimages\u002Findustry\u002Finsurance.webp",{"tab1":6,"tab2":9,"tab3":12,"tab4":15},{"title":7,"content":8},"Branchenübersicht","Die Versicherungsbranche in Deutschland ist ein zentraler Pfeiler der Finanzdienstleistungsindustrie, geprägt durch Stabilität, Regulierung und kontinuierliche Innovation. Mit einem breiten Angebot an [Lebensversicherung](\u002Fjobs-by-expertise\u002Flife-insurance), [Sachversicherung](\u002Fjobs-by-expertise\u002Fproperty-insurance) und [Krankenversicherung](\u002Fjobs-by-expertise\u002Fhealth-insurance) sichert sie Risiken ab und fördert die wirtschaftliche Resilienz. Führende Standorte für Versicherungsunternehmen sind [Hannover](\u002Fjobs-in-hannover), [Hamburg](\u002Fjobs-in-hamburg), [Köln](\u002Fjobs-in-koeln), [Frankfurt am Main](\u002Fjobs-in-frankfurt-am-main), [München](\u002Fjobs-in-muenchen), und [Stuttgart](\u002Fjobs-in-stuttgart), wo sich zahlreiche Hauptsitze und Servicezentren befinden. Die Branche profitiert von der starken Regulierung durch die BaFin und der hohen Nachfrage nach individuellen Versicherungslösungen, was sie zu einem attraktiven Arbeitgeber macht. Digitalisierung und Nachhaltigkeit treiben aktuell Transformationen voran, mit Fokus auf [digitale Werkzeuge](\u002Fjobs-by-skill\u002Fdigital-tools) und [Datenanalyse](\u002Fjobs-by-skill\u002Fdata-analysis).",{"title":10,"content":11},"Wichtige Rollen & Aufgaben","Typische Berufsrollen in der deutschen Versicherungsbranche umfassen Versicherungskaufleute, Schadensregulierer, Underwriter und Vertriebsmitarbeiter. Zu den Kernaufgaben gehören [Kundenberatung](\u002Fjobs-by-expertise\u002Fcustomer-consultation), [Risikobewertung](\u002Fjobs-by-expertise\u002Frisk-assessment), [Vertragsmanagement](\u002Fjobs-by-expertise\u002Fcontract-management), und [Schadensabwicklung](\u002Fjobs-by-expertise\u002Fclaims-processing). Mitarbeiter sind oft für [Prozessoptimierung](\u002Fjobs-by-expertise\u002Fprocess-optimization), [Qualitätssicherung](\u002Fjobs-by-expertise\u002Fquality-assurance), und [Berichterstattung](\u002Fjobs-by-expertise\u002Freporting) verantwortlich, unterstützt durch [digitale Werkzeuge](\u002Fjobs-by-skill\u002Fdigital-tools) wie [MS Office](\u002Fjobs-by-skill\u002Fms-office). Rollen wie Projektmanager koordinieren [Projektarbeit](\u002Fjobs-by-expertise\u002Fproject-work) und [Automatisierung](\u002Fjobs-by-expertise\u002Fautomation), während IT-Spezialisten [IT-Sicherheit](\u002Fjobs-by-expertise\u002Fit-security) und Systemwartung übernehmen. Teamleiter fördern [Teamführung](\u002Fjobs-by-expertise\u002Fteam-leadership) und [Verkauf](\u002Fjobs-by-expertise\u002Fsales), um [Kundenbindung](\u002Fjobs-by-expertise\u002Fcustomer-retention) und [Cross-Selling](\u002Fjobs-by-expertise\u002Fcross-selling) zu stärken.",{"title":13,"content":14},"Gefragte Skills & Arbeitgeber","Gefragte Expertise in Deutschland umfasst [Risikomanagement](\u002Fjobs-by-expertise\u002Frisk-management), [Datenanalyse](\u002Fjobs-by-expertise\u002Fdata-analysis), [Versicherungsberatung](\u002Fjobs-by-expertise\u002Finsurance-consultation), und [Prozessentwicklung](\u002Fjobs-by-expertise\u002Fprocess-development). Führende Arbeitgeber sind [VHV Allgemeine Versicherung AG](\u002Fcompany\u002Fvhv-allgemeine-versicherung-ag), [HanseMerkur Allgemeine Versicherung AG](\u002Fcompany\u002Fhansemerkur-allgemeine-versicherung-ag), [DFV Deutsche Familienversicherung AG](\u002Fcompany\u002Fdfv-deutsche-familienversicherung-ag), und [Gothaer Allgemeine Versicherung AG](\u002Fcompany\u002Fgothaer-allgemeine-versicherung-ag). Diese Unternehmen suchen nach Fachkräften mit Kenntnissen in [Versicherung und Finanzen](\u002Fjobs-by-expertise\u002Finsurance-and-finance), [Marktanalyse](\u002Fjobs-by-expertise\u002Fmarket-analysis), und [Kostensenkung](\u002Fjobs-by-expertise\u002Fcost-controlling). IT-Fähigkeiten wie [SQL](\u002Fjobs-by-skill\u002Fsql), [Python](\u002Fjobs-by-skill\u002Fpython), und [Power BI](\u002Fjobs-by-skill\u002Fpower-bi) sind hochrelevant für [Digitalisierung](\u002Fjobs-by-skill\u002Fdigitalization) und [Datenanalyse](\u002Fjobs-by-skill\u002Fdata-analytics). Standorte wie [Berlin](\u002Fjobs-in-berlin) und [Düsseldorf](\u002Fjobs-in-duesseldorf) bieten zahlreiche Stellen in [Versicherung](\u002Fjobs-by-industry\u002Finsurance) mit Fokus auf Innovation und Kundenservice.",{"title":16,"content":17},"Karrierepfad & Gehalt","Der Karrierepfad in der deutschen Versicherungsbranche beginnt oft mit einer Ausbildung zum Versicherungskaufmann, gefolgt von Aufstiegen zu Spezialisten- oder Führungspositionen. Einstiegsgehälter liegen bei 35.000–45.000 € jährlich, mit Senior-Rollen wie Underwriter oder Projektmanager bei 50.000–70.000 €. Expertise in [Risikomanagement](\u002Fjobs-by-expertise\u002Frisk-management) und [Vertrieb](\u002Fjobs-by-expertise\u002Fsales) kann zu Gehältern über 80.000 € führen. IT-Skills wie [Python](\u002Fjobs-by-skill\u002Fpython), [SQL](\u002Fjobs-by-skill\u002Fsql), und [Datenanalyse](\u002Fjobs-by-skill\u002Fdata-analysis) steigern die Verdienstmöglichkeiten, insbesondere in digitalen Rollen. Fortbildungen in [Prozessoptimierung](\u002Fjobs-by-expertise\u002Fprocess-optimization) oder Zertifizierungen unterstützen den Aufstieg. Die Branche bietet stabile Karrieren mit Möglichkeiten in [Deutschland](\u002Fsearch), wobei Großstädte wie [München](\u002Fjobs-in-muenchen) und [Frankfurt am Main](\u002Fjobs-in-frankfurt-am-main) höhere Gehälter aufweisen.",{"tab1":19,"tab2":22,"tab3":25,"tab4":28},{"title":20,"content":21},"Industry Overview","The [Insurance](\u002Fjobs-by-industry\u002Finsurance) industry in [Deutschland](\u002Fsearch) is a cornerstone of the financial sector, providing essential risk management and financial protection services to individuals and businesses. It encompasses various segments, including life, health, property, and casualty insurance, with a strong regulatory framework ensuring stability and consumer trust. Key hubs for insurance professionals in Germany include [Hannover](\u002Fjobs-in-hannover), [Hamburg](\u002Fjobs-in-hamburg), [Köln](\u002Fjobs-in-koeln), [Frankfurt am Main](\u002Fjobs-in-frankfurt-am-main), [Dortmund](\u002Fjobs-in-dortmund), [München](\u002Fjobs-in-muenchen), [Stuttgart](\u002Fjobs-in-stuttgart), [Rostock](\u002Fjobs-in-rostock), [Saarbrücken](\u002Fjobs-in-saarbruecken), [Bremen](\u002Fjobs-in-bremen), [Emmerich am Rhein](\u002Fjobs-in-emmerich-am-rhein), [Düsseldorf](\u002Fjobs-in-duesseldorf), [Koblenz](\u002Fjobs-in-koblenz), [Lüdenscheid](\u002Fjobs-in-luedenscheid), [Minden](\u002Fjobs-in-minden), [Schwerin](\u002Fjobs-in-schwerin), [Berlin](\u002Fjobs-in-berlin), and [Wiesbaden](\u002Fjobs-in-wiesbaden). These cities host numerous insurers, fostering innovation and growth in areas like digital transformation and customer-centric services, making Germany a leading market in European insurance.",{"title":23,"content":24},"Key Roles & Responsibilities","In [Deutschland](\u002Fsearch), the [Insurance](\u002Fjobs-by-industry\u002Finsurance) sector offers diverse roles with specific responsibilities. Underwriters assess and price risks, ensuring policies align with company guidelines. Claims processors handle the evaluation and settlement of insurance claims, requiring attention to detail and knowledge of regulations. Insurance consultants provide advice to clients on suitable coverage options, emphasizing customer retention and cross-selling. Risk analysts conduct thorough risk assessments and analyses to mitigate potential losses. Sales professionals drive business growth through effective sales process management and customer consultation. Additionally, roles in project management oversee initiatives like process optimization and automation, while administrative support staff handle documentation, reporting, and coordination tasks to ensure smooth operations.",{"title":26,"content":27},"In-Demand Skills & Employers","Top employers in [Deutschland](\u002Fsearch) for the [Insurance](\u002Fjobs-by-industry\u002Finsurance) industry include [VHV Allgemeine Versicherung AG](\u002Fcompany\u002Fvhv-allgemeine-versicherung-ag), [HanseMerkur Allgemeine Versicherung AG](\u002Fcompany\u002Fhansemerkur-allgemeine-versicherung-ag), [DFV Deutsche Familienversicherung AG](\u002Fcompany\u002Fdfv-deutsche-familienversicherung-ag), [VHV Gruppe](\u002Fcompany\u002Fvhv-gruppe), [VOLKSWOHL BUND Lebensversicherung a. G.](\u002Fcompany\u002Fvolkswohl-bund-lebensversicherung-a-g), [MSIG Europe SE](\u002Fcompany\u002Fmsig-europe-se), [Gothaer Exklusivvertrieb](\u002Fcompany\u002Fgothaer-exklusivvertrieb), [Gothaer Solutions GmbH](\u002Fcompany\u002Fgothaer-solutions-gmbh), [Gothaer Allgemeine Versicherung AG](\u002Fcompany\u002Fgothaer-allgemeine-versicherung-ag), [VHV digital development GmbH](\u002Fcompany\u002Fvhv-digital-development-gmbh), [Europ Assistance SA, Niederlassung für Deutschland](\u002Fcompany\u002Feurop-assistance-sa-niederlassung-fuer-deutschland), [Hannoversche Lebensversicherung AG](\u002Fcompany\u002Fhannoversche-lebensversicherung-ag), [HISCOX SA](\u002Fcompany\u002Fhiscox-sa), [Gothaer Kunden-Service-Center GmbH](\u002Fcompany\u002Fgothaer-kunden-service-center-gmbh), [Gothaer Finanzholding AG](\u002Fcompany\u002Fgothaer-finanzholding-ag), [Gothaer Versicherungsbank VVaG](\u002Fcompany\u002Fgothaer-versicherungsbank-vvag), and [Gothaer Krankenversicherung AG](\u002Fcompany\u002Fgothaer-krankenversicherung-ag). In-demand expertise includes [Administrative Tasks](\u002Fjobs-by-expertise\u002Fadministrative-tasks), [Project Management](\u002Fjobs-by-expertise\u002Fproject-management), [Customer Service](\u002Fjobs-by-expertise\u002Fcustomer-service), [Process Optimization](\u002Fjobs-by-expertise\u002Fprocess-optimization), [Underwriting](\u002Fjobs-by-expertise\u002Funderwriting), [Insurance Consulting](\u002Fjobs-by-expertise\u002Finsurance-consulting), [Customer Retention](\u002Fjobs-by-expertise\u002Fcustomer-retention), [Claims Processing](\u002Fjobs-by-expertise\u002Fclaims-processing), [Contract Management](\u002Fjobs-by-expertise\u002Fcontract-management), [Market Analysis](\u002Fjobs-by-expertise\u002Fmarket-analysis), [Sales Support](\u002Fjobs-by-expertise\u002Fsales-support), [Quality Assurance](\u002Fjobs-by-expertise\u002Fquality-assurance), [Reporting](\u002Fjobs-by-expertise\u002Freporting), [Insurance Sales](\u002Fjobs-by-expertise\u002Finsurance-sales), [Documentation](\u002Fjobs-by-expertise\u002Fdocumentation), [Risk Assessment](\u002Fjobs-by-expertise\u002Frisk-assessment), [Data Analysis](\u002Fjobs-by-expertise\u002Fdata-analysis), [Risk Analysis](\u002Fjobs-by-expertise\u002Frisk-analysis), [Cross-Selling](\u002Fjobs-by-expertise\u002Fcross-selling), [Monitoring](\u002Fjobs-by-expertise\u002Fmonitoring), [Risk Management](\u002Fjobs-by-expertise\u002Frisk-management), [Test Management](\u002Fjobs-by-expertise\u002Ftest-management), [Process Development](\u002Fjobs-by-expertise\u002Fprocess-development), [Sales](\u002Fjobs-by-expertise\u002Fsales), [Automation](\u002Fjobs-by-expertise\u002Fautomation), [Claims Management](\u002Fjobs-by-expertise\u002Fclaims-management), [Portfolio Controlling](\u002Fjobs-by-expertise\u002Fportfolio-controlling), [Legal Knowledge](\u002Fjobs-by-expertise\u002Flegal-knowledge), [Process Design](\u002Fjobs-by-expertise\u002Fprocess-design), [Business Administration](\u002Fjobs-by-expertise\u002Fbusiness-administration), [Insurance and Finance](\u002Fjobs-by-expertise\u002Finsurance-and-finance), [Market Observation](\u002Fjobs-by-expertise\u002Fmarket-observation), [Underwriting Guidelines](\u002Fjobs-by-expertise\u002Funderwriting-guidelines), [Product Development](\u002Fjobs-by-expertise\u002Fproduct-development), [Project Coordination](\u002Fjobs-by-expertise\u002Fproject-coordination), [Medical Risk Assessment](\u002Fjobs-by-expertise\u002Fmedical-risk-assessment), [Contract Design](\u002Fjobs-by-expertise\u002Fcontract-design), [Coordination](\u002Fjobs-by-expertise\u002Fcoordination), [Life Insurance](\u002Fjobs-by-expertise\u002Flife-insurance), [Property Insurance](\u002Fjobs-by-expertise\u002Fproperty-insurance), [Sales Process Management](\u002Fjobs-by-expertise\u002Fsales-process-management), [Insurance Consultation](\u002Fjobs-by-expertise\u002Finsurance-consultation), [Upselling](\u002Fjobs-by-expertise\u002Fupselling), [Active Claims Management](\u002Fjobs-by-expertise\u002Factive-claims-management), [Customer Consultation](\u002Fjobs-by-expertise\u002Fcustomer-consultation), [IT Security](\u002Fjobs-by-expertise\u002Fit-security), [Consultation](\u002Fjobs-by-expertise\u002Fconsultation), [Team Leadership](\u002Fjobs-by-expertise\u002Fteam-leadership), and [Cost Controlling](\u002Fjobs-by-expertise\u002Fcost-controlling).",{"title":29,"content":30},"Career Path & Salary","Career progression in the [Insurance](\u002Fjobs-by-industry\u002Finsurance) industry in [Deutschland](\u002Fsearch) typically starts with entry-level roles like administrative support or junior underwriter, with salaries ranging from €35,000 to €50,000 annually. With experience, professionals can advance to mid-level positions such as claims manager or insurance consultant, earning €50,000 to €70,000. Senior roles like risk analyst or project manager offer salaries from €70,000 to €100,000+, while executive positions can exceed €120,000. Key expertise for advancement includes [Risk Management](\u002Fjobs-by-expertise\u002Frisk-management), [Data Analysis](\u002Fjobs-by-expertise\u002Fdata-analysis), and [Project Management](\u002Fjobs-by-expertise\u002Fproject-management), complemented by IT skills like [MS Office](\u002Fjobs-by-skill\u002Fms-office), [Excel](\u002Fjobs-by-skill\u002Fexcel), [SQL](\u002Fjobs-by-skill\u002Fsql), [Python](\u002Fjobs-by-skill\u002Fpython), and [Power BI](\u002Fjobs-by-skill\u002Fpower-bi). Continuous learning in areas like digital tools and automation enhances opportunities, with certifications boosting earning potential in this stable and growing field.","industry:insurance:de","2026-08-17T09:00:41.682943+02:00",{"total":34,"jobs":35},2527,[36,73,97,123,147,162,179,195,208,228,244,268,285,298,325,337,352,367,379,402],{"id":37,"slug":38,"title":39,"raw_title":40,"is_featured":41,"company":42,"raw_hiringOrganization_logo_url":40,"processed_city_gmaps":46,"processed_country_iso_code_gmaps":48,"processed_home_office":50,"processed_salary_min":51,"processed_salary_max":52,"processed_salary_currency":53,"processed_salary_source":54,"processed_working_hours":55,"processed_employment_types":57,"processed_it_skills":58,"processed_it_skills_labels":59,"processed_job_expertise_skills":60,"processed_job_expertise_skills_labels":64,"max_cpc":72,"actual_cpc":72},26556,"kundenberater-versicherungen-bankenvertrieb-mwd-rv-versicherung-125","Kundenberater Versicherungen Bankenvertrieb (m\u002Fw\u002Fd)",null,false,{"name":43,"slug":44,"logo_url":45},"R+V Versicherung","rv-versicherung","https:\u002F\u002Fupload.wikimedia.org\u002Fwikipedia\u002Fcommons\u002Fthumb\u002Fb\u002Fb6\u002FR%2BV-Logo.svg\u002F330px-R%2BV-Logo.svg.png",[47],"Oschersleben",[49],"DE","hybrid",45000,65000,"EUR","estimated",[56],"FULL_TIME","permanent",{},[],{"needs analysis":61,"insurance sales":61,"bank distribution":62,"customer advisory":61,"commercial training":63,"insurance products knowledge":61,"customer relationship management":61},4,3,2,[65,66,67,68,69,70,71],"Insurance Sales","Customer Advisory","Customer Relationship Management","Needs Analysis","Insurance Products Knowledge","Bank Distribution","Commercial Training",1,{"id":74,"slug":75,"title":76,"raw_title":40,"is_featured":41,"company":77,"raw_hiringOrganization_logo_url":40,"processed_city_gmaps":81,"processed_country_iso_code_gmaps":83,"processed_home_office":50,"processed_salary_min":51,"processed_salary_max":52,"processed_salary_currency":53,"processed_salary_source":54,"processed_working_hours":84,"processed_employment_types":57,"processed_it_skills":86,"processed_it_skills_labels":87,"processed_job_expertise_skills":88,"processed_job_expertise_skills_labels":89,"max_cpc":72,"actual_cpc":72},33051,"goerlitz-firmenkundenberater-mwd-im-vertriebsgebiet-oberlausitz-niederschlesien-sparkassen-versicherung-sachsen","Görlitz: Firmenkundenberater (m\u002Fw\u002Fd) im Vertriebsgebiet Oberlausitz- Niederschlesien ",{"name":78,"slug":79,"logo_url":80},"Sparkassen-Versicherung Sachsen","sparkassen-versicherung-sachsen","\u002Fimages\u002Flogos\u002Fsparkassen-versicherung-sachsen-allgemeine-versicherung-aktiengesellschaft-logo.png",[82],"Görlitz",[49],[56,85],"PART_TIME",{},[],{"sales":61,"claims processing":62,"offer preparation":62,"campaign implementation":63,"occupational pension scheme":61,"commercial property insurance":61,"corporate customer consulting":61,"customer relationship management":62},[90,91,92,93,94,95,67,96],"Corporate Customer Consulting","Occupational Pension Scheme","Commercial Property Insurance","Offer Preparation","Claims Processing","Sales","Campaign Implementation",{"id":98,"slug":99,"title":100,"raw_title":40,"is_featured":41,"company":101,"raw_hiringOrganization_logo_url":105,"processed_city_gmaps":106,"processed_country_iso_code_gmaps":108,"processed_home_office":109,"processed_salary_min":110,"processed_salary_max":111,"processed_salary_currency":53,"processed_salary_source":54,"processed_working_hours":112,"processed_employment_types":113,"processed_it_skills":114,"processed_it_skills_labels":115,"processed_job_expertise_skills":116,"processed_job_expertise_skills_labels":117,"max_cpc":72,"actual_cpc":72},32372,"bankkaufmann-mit-zusatzqualifikation-versicherungsfachmann-mwd-sparkasse-suedpfalz","Bankkaufmann mit Zusatzqualifikation Versicherungsfachmann (m\u002Fw\u002Fd)",{"name":102,"slug":103,"logo_url":104},"Sparkasse Südpfalz","sparkasse-suedpfalz","\u002Fimages\u002Flogos\u002Fsparkasse-suedpfalz-logo.svg","https:\u002F\u002Finstitute-logos.sparkasse.de\u002F54850010.svg",[107],"Landau in der Pfalz",[49],"onsite",17016,18324,[56],"student",{},[],{"sales":61,"numeracy":62,"banking operations":62,"financial advisory":62,"insurance consulting":62,"economic understanding":62},[118,119,120,95,121,122],"Banking Operations","Insurance Consulting","Financial Advisory","Numeracy","Economic Understanding",{"id":124,"slug":125,"title":126,"raw_title":40,"is_featured":41,"company":127,"raw_hiringOrganization_logo_url":130,"processed_city_gmaps":131,"processed_country_iso_code_gmaps":133,"processed_home_office":50,"processed_salary_min":134,"processed_salary_max":135,"processed_salary_currency":53,"processed_salary_source":54,"processed_working_hours":136,"processed_employment_types":57,"processed_it_skills":137,"processed_it_skills_labels":138,"processed_job_expertise_skills":139,"processed_job_expertise_skills_labels":140,"max_cpc":72,"actual_cpc":72},24471,"vertriebsmitarbeiter-kundenberater-auch-quereinsteiger-mwd-fuer-den-innen-und-aussendienst-lvm-versicherungsagentur-michael-meuer","Vertriebsmitarbeiter \u002F Kundenberater, auch Quereinsteiger (m\u002Fw\u002Fd) für den Innen- und Außendienst",{"name":128,"slug":129,"logo_url":40},"LVM-Versicherung","lvm-versicherung","https:\u002F\u002Fd1m3qravo0uxtt.cloudfront.net\u002Fimage\u002F346054306320\u002Fimage_jcirioducl34982mqb20jru124\u002F-FPNG-S500\u002Flvm_logo.png",[132],"Wirges",[49],35000,55000,[56],{},[],{"insurance sales":61,"claims settlement":62,"customer advisory":61,"appointment scheduling":62,"modern communication tools":63,"insurance products knowledge":61},[141,142,143,144,145,146],"Insurance sales","Customer advisory","Insurance products knowledge","Claims settlement","Appointment scheduling","Modern communication tools",{"id":148,"slug":149,"title":150,"raw_title":40,"is_featured":41,"company":151,"raw_hiringOrganization_logo_url":40,"processed_city_gmaps":152,"processed_country_iso_code_gmaps":154,"processed_home_office":50,"processed_salary_min":134,"processed_salary_max":51,"processed_salary_currency":53,"processed_salary_source":54,"processed_working_hours":155,"processed_employment_types":57,"processed_it_skills":156,"processed_it_skills_labels":157,"processed_job_expertise_skills":158,"processed_job_expertise_skills_labels":159,"max_cpc":72,"actual_cpc":72},26439,"vertriebsassistent-versicherungen-agenturvertrieb-mwd-rv-versicherung-7","Vertriebsassistent Versicherungen Agenturvertrieb (m\u002Fw\u002Fd)",{"name":43,"slug":44,"logo_url":45},[153],"Dresden",[49],[56],{},[],{"insurance sales":61,"customer advisory":61,"insurance consulting":61,"digital consultation tools":63,"insurance policy optimization":62},[65,119,66,160,161],"Insurance Policy Optimization","Digital Consultation 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