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The Insurance Regulatory Commission scrambled for electricity sales and there were five insurance companies collecting tickets

2018-01-25 10:28:47 Author: Source: First Financial Review:0  Click:


The China Insurance Regulatory Commission issued another "regular" regulatory letter!
On January 23, the CIRC issued a total of 5 regulatory letters, which were sent to Zijin P&C Insurance, Huaan P&C Insurance, China-Liantem United Metropolitan Life Insurance, China Merchants Xinnuo Life Insurance and Everbright Life Insurance Life Insurance, respectively. Asked March 31 to submit the rectification report.
In the first month of the year, the China Insurance Regulatory Commission issued nine regulatory letters in succession.
As China's insurance industry enters a new era, the main contradiction it faces has evolved into a contradiction between inadequately balanced insurance supply and the increasing bursting of the masses of the people and escalating insurance demands.
The National Insurance Regulatory Working Conference in 2018 pointed out that it is necessary to reshape insurance supervision as an opportunity to adhere to strict supervision, focus on the outstanding risks such as the use of equity, capital, funds, and other key areas such as agricultural insurance, intermediary markets, and Internet insurance, and carry out special inspections. Resolutely rectify the chaos in the market, increase the protection of consumer rights, and severely crack down on violations of laws and regulations and market chaos, creating a high-pressure shock.
At present, the phenomenon of electrical violations in the insurance industry occurs frequently. For example, the issue of non-standard words, including excessively bragging about the company's market position, and erroneously explaining content not related to sales of products.
According to the regulatory letter, some of the above-mentioned insurance companies had sales problems with non-standard sales practices. For some of the electric bills that have been signed, China United and the United States have the problem of not sending invoices to the customers on their own initiative, failing to return the new sales invoices during the hesitation period, failing to timely distribute electric insurance policies, and failing to properly maintain telephone sales records. .
Everbright Sun Life telemarketing staff has attracted customers to purchase products based on the “internal appreciation program”, “reward activities”, “thanks to a guarantee” and “internal services”, but the above-mentioned thank-you schemes do not exist. In addition, in the sale of Everbright Sun Life Jiafu Accident Insurance, the salesperson did not actively explain the fact that the main insurance product can be purchased separately.
Failure to follow the regulations is also an aspect of the non-compliance of insurance companies' electrical sales. The inspection found that Huaan P&C did not pay back visits to most of its electric sales customers as required; in a small number of completed visits, there was a situation where the content of the visit did not meet the company's return visits.
Huaan P&C Insurance also has problems with non-strict content management. For example, violations of the regulations entrusted external agencies to operate the electric sales business; the company’s employees answered calls from agents on behalf of customers, among which the individual telephone numbers received more than 1,000 calls per year; Hua’an P&C insurance’s electric insurance system had recording files with the insured and the insurance policies. The number does not correspond to the situation.
In terms of Internet sales, the aforementioned insurance companies also have situations that do not meet the regulatory requirements of insurance regulations.
For example, China United and the United States have problems in the online sales system, the failure to properly store online sales transaction information, and some online sales premiums failing to enter special accounts for online sales premiums, etc.; Everbright Sunlight, unsatisfactory return visits to network sales customers, and management of network sales operations areas Non-standard, non-standard online sales information disclosure, failure to update and improve the network sales management system, and other issues.
It is worth noting that at the end of last year, China United States and China Merchants Xinnuo had been fined by the China Insurance Regulatory Commission for penalties for electrical violations.
On November 24, 2017, the China Insurance Regulatory Commission issued seven administrative penalties for China and the United States. The reasons for the punishment were "the act of defrauding policyholders during telemarketing." On December 1st, the CIRC issued a total of 5 tickets, 4 of which were issued to China Merchants Xinnuo and its 3 home appliance sales centers. Fines were imposed on insurance companies and related persons in charge, totaling 1.07 million yuan.
In recent years, telemarketing has become an important sales channel for the insurance industry, but it is followed by electric chaos. Since 2017, the supervision of the insurance industry has been gradually strengthened, and various laws and regulations for the insurance industry have been tightened further. The chaos in the electric sales industry has also become a field of supervision and rectification.
Last year, the China Insurance Regulatory Commission issued the "Provisional Measures for the Retrospective Management of Insurance Sales Act." The insurance companies and insurance intermediary agencies carry out telemarketing operations. They should record and back up all telephone conversations during the course of their telephone calls. They must not circumvent telemarketing systems and sell insurance products to policyholders. More emphasis will be placed on regulating the compliance of insurance agencies and insurance agents.
According to the incomplete statistics of the First Financial reporter, in the 37 regulatory letters publicized by the CIRC in 2017, there were more than 20 regulatory letters for violations of the law by insurance companies during telemarketing, accounting for more than half. In the first month of 2018, the CIRC issued a total of 9 regulatory letters, of which 8 were for non-compliance of the insurance companies.
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