First of all, we need to see whether the salesman signs on behalf of the insured with the consent of the insured.
After the operation of the new insurance law, the operation of the agent also means the behavior of the insurance company. If the agent asks the customer to sign the bill in order to achieve his own performance, it is regarded as the behavior of the insurance company and bears relevant responsibilities, and the insurance agent will also bear joint and several liabilities.
Article 1 16 of the new Insurance Law stipulates that an insurance company and its staff shall not commit the following acts in insurance business activities:
(1) Deceiving the applicant, the insured or the beneficiary;
(2) Concealing important information related to the insurance contract from the applicant;
(3) Obstructing the applicant from fulfilling the obligation of truthful disclosure as stipulated in this Law, or inducing him not to fulfill the obligation of truthful disclosure as stipulated in this Law;
(four) to give or promise to give the insured, the insured and the beneficiary insurance premiums or other benefits other than those stipulated in the insurance contract;
(5) Refusing to perform the obligation of compensation or payment of insurance benefits as stipulated in the insurance contract according to law;
(6) Deliberately fabricating an insurance accident or a fictitious insurance contract that has never happened, or deliberately exaggerating the loss of an insurance accident that has happened, making false claims, defrauding insurance money or seeking other illegitimate interests;
(seven) misappropriation, interception and occupation of insurance premiums;
(8) Entrusting institutions or individuals without legal qualifications to engage in insurance sales activities;
(9) Seeking illegitimate interests for other institutions or individuals by conducting insurance business;
(ten) the use of insurance agents, insurance brokers, insurance assessment agencies to engage in fictitious insurance intermediary business, fabricated surrender and other illegal activities;
(eleven) fabricating and spreading false facts to damage the business reputation of competitors, or disrupting the order of the insurance market by other unfair competition methods;
(12) disclosing the business secrets of the applicant and the insured that are known in business activities;
(thirteen) other acts in violation of laws, administrative regulations and the provisions of the the State Council insurance regulatory agency.
Article 127 of the new Insurance Law stipulates that the insurer shall bear the responsibility for the act of an insurance agent handling insurance business on behalf of the insurer.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.