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Telephone sales into insurance mislead the hardest-hit areas Citic Bank credit card center was fined 120,000

2018-01-16 10:49:14 Author: Source: China Jiangxi network Comments:0  Click:


Telephone sales channels have always been misleading in insurance sales. In the end of the year, the China Insurance Regulatory Commission issued another wave of penalties. After being penalized by Everbright Life Insurance and other insurers for misleading sales, China Insurance Regulatory Commission's official website issued a decision on administrative punishment. The credit card center of China CITIC Bank has illegally sold fraudulent policyholders by telephone and imposed a fine of 120,000 yuan.
It is understood that in the operation of the telemarketing insurance business conducted by China CITIC Bank's credit card center in 2015, the company’s sales staff had the illegal act of fraudulently instigating policy-holders through telemarketing, mainly to provide false market information to customers and exaggerate or misrepresent insurance products. Laws, regulations, and policies related to insurance business make false propaganda, falsely publicize the conditions for the sale of insurance products and price changes, confuse insurance business and bank services.
In fact, telemarketing has always been the “hardest-hit area” for consumer complaints in the insurance industry. Citing the credit card center of CITIC Bank is just a microcosm of the industry. For a long time, the two major problems of telephone nuisance and misleading sales have been the two major problems of telephone sales channels.
Why is fraudulent insurance? “We all know that insurance agents are indirect victims of misleading sales. Insurance knowledge of these agents is derived from the internal training of insurance companies, and many internal trainings are conducted,” Yang Yang, manager of a brand insurance Jiangxi Branch, told reporters. It is the king who sells melons and sells herself and boasts that one-sidedness has to exaggerate the advantages of her own products, emphasizing comparing the selling points of other family products, etc., all of them are retraining around sales, and the cases explained in some training courses are all wrong and misleading. How can people not mislead clients when they receive such training?"
Manager Yang analyzed that “For my many years of experience in the insurance company, I personally feel that it is very important to strengthen the supervision and restriction of the insurance company’s grassroots staff, especially the management personnel. We must say that the system guarantee and supervision in this area need further Strengthen.” Will this result in a negative impact on CITIC Bank Nanchang Branch? Senior industry executive Yang speculated that because the subject of punishment was CITIC Bank's credit card center, the address was in Shenzhen and it had nothing to do with Nanchang Branch. This is followed by telemarketing insurance, which is simply a bank's agency sales business, and non-banking business itself.
Since 2015, the China Insurance Regulatory Commission has launched the “Sword Sword Action” for three consecutive years to crack down on the legitimate rights and interests of consumers. Up to now, a total of 157 insurance institutions have been punished, a fine of 25.40 million yuan, and 254 individuals have been punished. A fine of 8,267,500 yuan has been imposed. According to China Insurance Regulatory Commission data, in the first half of 2017, 11847 sales disputes were involved in personal insurance company complaints, accounting for 50.56% of the total number of personal insurance company complaints. The main types of insurance involved are dividend insurance and general life insurance. The main issues reflected are exaggerated. The important contents of contracts such as insurance liability or income, concealment of payment period and loss of surrender, false propaganda in the name of other financial products, and marketing nuisance.
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