Whether the salesman signs for the customer or the insured breaches the contract, he will bear the most direct legal responsibility. In the event of a contract dispute, the salesman will take full responsibility and lose his qualification.

For insurance companies, because of the irregular operation of salesmen, the contract will be invalid, the business structure of insurance companies will be destroyed, and there will be certain operational risks.

For the insured, the insurance company usually regards the signed policy as invalid and refuses to pay or surrender. At this time, the interests of the insured will be seriously damaged.

Extended data:

Precautions for viewing insurance policies:

1. Acceptance: After receiving the insurance contract, check whether there are the following documents: original contract, insurance clauses and official receipt of insurance premium. Cash value statement.

2. Information check: check the names and certificate numbers of the insured and the insurer. Understand the premium paid in each period and the date of deduction in the next period to avoid the invalidation of the policy. It is also clear whether the payment period (how long to pay) and insurance period (how long to insure) mentioned in the contract are consistent with what the insurance agent said at that time. All items on the original contract and premium receipt should be checked one by one, and if there are any mistakes, the insurance company and salesman should be notified in time to correct them.

3. Beneficiary information: legal beneficiary or designated beneficiary. If it is a designated beneficiary, since there can be more than two designated beneficiaries, it is necessary to check whether the income ratio is accurate.

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