The harmonization of the European Market requires uniform standards in vocational education in the financial service sector. eficert sets these standards in the insurance, life and pension industry, it is the largest professional and educational organisation for insurance intermediaries, claims handlers and underwriters in Europe. The certification system is based on national exams within the insurance, life and pension field of work, that meet the standards of eficert. eficert -The European Financial Certification Organisation - was founded in November 2002. The members of eficert are associations and institutes which actively represent the educational interests and ideals of the sector industry in the respective countries.