insurance companies will not commit crimes against the wind, nor will they let salesmen do such things!
But in fact, the rebate you see is the personal behavior of the salesman, which has nothing to do with the company.
although it is also forbidden for salesmen to return points, in actual situation, salesmen are forced by performance pressure, peer competition and customer demand, which eventually leads to this bad atmosphere.
I have seen similar problems before, and I want to emphasize the harm of rebate here:
(1) For customers, it is not important to buy insurance products, but the later service is the most important. If customers ask for rebate before buying insurance, it is easy to dig a hole for themselves, and they don't understand the guarantee responsibility of the purchased insurance products. Without the later service guidance, they may end up cheating themselves.
(2) For the salesman, the agent has no basic salary and relies entirely on the performance commission. It's quick, simple and easy to sign the performance bill for rebate, but it will also make the salesman not deepen his professional skills and protect customers, lose the right to strive for better interests for customers, can't stay in the industry, don't say if he can't earn money, and confuse the industry.
(3) For insurance companies, many customers who buy insurance through rebates don't understand the insurance liability, and it is very easy to surrender in the later period. Insurance companies can't get the expected benefits, and customers will also lose their principal.
first of all, the insurance company won't give back points, and the insurance company gives the salesmen commissions.
In China, insurance sales channels can be roughly divided into four categories: insurance agency channels, insurance agency channels, bank insurance channels and Internet channels. No matter which channel, there will be sales commission.
So, generally, the agents who return commissions to customers are mostly insurance agents and intermediary agents. In order to complete the performance, they sell more alive, and sometimes they return commissions to customers in violation of regulations. In fact, this trend has also had a bad influence. It will also affect the follow-up service of insurance.
What can I say? Because insurance sells services. A policy is guaranteed for decades or even a lifetime, and subsequent services are very important. If all commissions are returned, what money will insurance brokers make, because insurance practitioners live on commissions. To put it bluntly, this is the fruit of their labor. If all commissions are returned, insurance brokers will earn nothing. Do you think the service can be better?
this is also a major reason for the chaos in the insurance market.
furthermore, the state also expressly stipulates that insurance salesmen are not allowed to return commissions to customers. In serious cases, it is illegal. If the insurance company knows, it may affect the validity of the policy.
Therefore, you must find reliable people to buy insurance, or you want to sell insurance to an insurance company or an insurance brokerage company to get a license. But the insurance industry is really difficult. Isn't Luo Pang saying something? Choose to do insurance, or be stunted or desperate. The insurance industry in China is still developing, and the requirements of employees will become more and more professional in the future. If you want to engage in the insurance industry, the first part is to recognize it first, and then talk about other things. It is unusual to insist on doing insurance for more than 5 years.