Neighbor pockmarked king and his agent bought an insurance policy and even refunded thousands of dollars!

Lao Li bought insurance next door, and the agent sent several gas cards!

Is there such a good thing as insurance? Is this behavior reasonable?

Today, Beckham will talk about: those things about commission and rebate. The main contents are as follows:

What is commission rebate? Is it legal?

It looks like a discount, but in fact it will be endless?

1. What is commission rebate and is it legal? As we all know, insurance agents can get some rewards after signing the bill. This kind of reward is called commission. The commission is equivalent to the agent's salary.

In order to attract customers, some agents offer to return the commission to customers after signing the contract.

This kind of behavior is commission rebate.

In the insurance industry, commission rebate is a common topic, which generally takes the following forms:

The agent voluntarily proposes to return the commission to the customer for performance appraisal, personnel relations and other reasons, and returns the commission to the customer in proportion or in full;

Customers take the initiative to ask for rebates when purchasing insurance to get premium discounts or premium concessions;

Agent A introduces the customer to agent B, and agent B returns the commission of the list to agent A, which is called the flying list.

Many people think that buying insurance can take care of the agent's "business", so he naturally has to give himself some money, so he takes what he needs.

But in fact, it is illegal to return commission!

Article 1 16 of the Insurance Law stipulates that an insurance company and its staff shall not "give or promise to give premium rebates or other benefits to the insured, the insured and the beneficiary other than those stipulated in the insurance contract" in insurance business activities.

Whether it is an agent or other insurance sales organization, it is unfair to give customers kickbacks, which will violate the law.

In addition to rebates, it is not allowed to promise other benefits such as shopping cards, vouchers, rice cookers and juicers, and agents will be punished accordingly.

Some people may ask, even pharmacies now send laundry detergent and credit cards to suitcases. Are insurance companies not allowed to send even these little things?

According to the law, this is true.

Strict legal requirements are for the fairness of consumption. The same insurance product, some people get preferential treatment, and some people buy it at the original price, which is really very different.

Moreover, commission rebate has a negative impact on the development of our consumers, agents and the whole industry.

2. Did I really earn a kickback? 1. I neglected my own needs and product functions.

A large number of rebates may make us ignore our own protection needs and product functions when purchasing insurance, and blindly fall into the comparison of rebates.

If you see that the products of each company are similar, in order to return a little commission, you choose an unprofessional agent. That is very likely to be blinded by rebates and make unreasonable purchase decisions.

2. Professional level of the agent

Insurance agents have a low threshold for employment and a huge turnover of personnel, and some agents take up their posts after a few days of training. Without good professionalism, many agents find it difficult to do business, so they will take rebates as bait.

Therefore, the career of most brokers in the exhibition industry is a three-step process: suicide, murder and loss.

First buy it yourself, then convince relatives and friends to buy it, and finally leave the insurance industry without customers and money.

Such a salesman is obviously unprofessional, and the recommended products may not meet our needs.

To buy an insurance, we should not only choose products, but also make an insurance plan, which involves issues including but not limited to:

News report

Insurance period

prompt

Health notice

All these should be formulated according to their own conditions, and if they are wrong, they will lose their own interests.

3. The service cannot be guaranteed

The agent's salary mainly depends on commission. If they often rely on rebates to sign bills, they will leave the insurance industry sooner or later.

Insurance is a special commodity. Signing a contract is just the beginning, and the follow-up service may be lifelong.

If the agent leaves, the policy we bought will become an "orphan policy" and the service may be affected.

Hong Kong insurance has strict supervision over rebates. Once discovered, the agent may have his license revoked and the rebate policy will be invalid accordingly.

In 2009, Xiao Wang went to Hong Kong to buy a critical illness insurance for her husband. She heard that some agents would give customers rebates, so she also proposed rebate conditions with agents. The agent agreed to her request, and both sides seemed to "earn", but left a huge hidden danger.

On 20 12, the agent was reported to have his license revoked because of commission rebate, and Xiao Wang's policy was also invalidated. Not only is the husband's security gone, but the reinsurance rate is higher than three years ago, which has brought a lot of losses to the family.

Although the punishment in the Mainland is not as severe as that in Hong Kong insurance, it is illegal for agents to return commissions. Once the agent is fired, our insurance service will be greatly reduced.

4. Be responsible for yourself and others.

Commission rebate is a prohibited behavior, and once it is discovered, it will face punishment or even imprisonment. An agent knows the law and violates the law in order to sell insurance, and is not responsible for himself, let alone consumers.

And an insurance sales platform shoulders more responsibilities and missions than an agent. If the platform connives at agents to give customers rebates, it is probably unreliable.

Beckham has something to say, whether it is an agent or an insurance sales platform, it is reasonable and legal to provide insurance services and get commissions.

It's against the law for agents to ask for profit rebates on their own initiative. We consumers should not cause unnecessary losses to ourselves for petty profits.