According to the basic management measures for personal life insurance business personnel of Ping An Insurance:

Chapter V Measures for the Quality Management of Business Personnel.

Article 70 In order to establish a good image of the company, standardize the behavior of business personnel, reward the superior and punish the inferior, and promote the healthy development of life insurance business, * * * establishes an insurance company with the highest moral standard in China, and formulates measures for the quality management of personal life insurance business personnel.

Section 1 Rewards

Article 71 If the following items are confirmed by the company's "industry review meeting", they will be given.

Appropriate reward:

(a) there are specific examples or words and deeds to safeguard the company's image, win honor and achieve certain social benefits;

(two) to safeguard the interests of the company or protect the safety of property;

(3) Enthusiastic participation in public welfare activities, making contributions to establishing the company image and maintaining the company brand;

(four) put forward reasonable suggestions for the company's development and be adopted, and make contributions to improving the company's operating performance;

(five) often help to promote the company's training activities, which have long-term benefits to the work performance of business colleagues;

(six) good service quality, excellent performance and long service life in the company;

(7) Other special deeds.

Business personnel in accordance with one of the above circumstances, the "industry assessment committee" may give the following awards as appropriate:

(1) A written ruling;

(2) Award-winning certificate or medal;

(3) issuing bonuses;

(4) Providing training opportunities;

(five) invited to participate in the annual commendation meeting, and accept the recognition of good deeds;

(6) Other appropriate rewards.

Section 2 Punishment

Seventy-second business personnel have one of the following violations, verified by the company's "industry evaluation meeting", according to

The nature of the behavior, be warned, demerit, terminate the insurance agency contract and other sanctions.

sign

Power of attorney, contract review letter and physical examination report in health notice, various disease questionnaires and insurance policies.

Books, entrusted transfer contracts, policy receipts and various change applications require customers (policyholders, insured,

Give a warning if the relevant insurance information signed by the beneficiary or guardian is not signed by the customer himself; salesman

If the insurance agent signs on behalf of the customer, it shall terminate the insurance agency contract and investigate the relevant responsibilities.

Mislead customers

1. Providing false information or misleading publicity instructions to customers, or misinterpreting the terms, insurance rules and preservation rules, or modifying or changing the application form and policy information without authorization, increasing or decreasing the insurance premium rate without authorization, or tampering with or misinterpreting the contents of the product manual without authorization;

2. Exaggerate or promise investment income and dividends to customers, or exaggerate capital investment channels and insurance protection interests;

3. Conceal the investment risk facts, the distribution method of investment account premiums and the investment account fees charged by the company to customers.

Various fees and collection ratio.

In case of any of the above acts, the insurance agency contract shall be terminated and the relevant responsibilities shall be investigated.

(3) False notification:

If you cooperate with the customer to conceal the truth or know that the customer information is untrue, but you don't truthfully state it, or you don't truthfully fill in the insurance, preservation, claims and other documents required by the company, or you don't inform the company in other ways, which damages the interests of the company or customers, you should terminate the insurance agency contract and investigate the relevant responsibilities;

Cooperate with customers to provide incomplete medical history, or conceal the medical history provided by customers, terminate the insurance agency contract and investigate relevant responsibilities;

Give a warning to new business personnel who misunderstand the company's organizational regulations and systems and instruct new business personnel to provide false information to customers and cause disputes.

(4) Physical examination of the impostor:

Cooperate with customers to ask others to take the place of physical examination, forge or modify the physical examination report, or knowingly ask others to take the place of physical examination without telling the company or the customer's knowledge, terminate the insurance agency contract, and investigate the relevant responsibilities.

(5) Participating in insurance fraud.

Issuing an insurance policy in the name of the company without authorization, or changing the insurance clauses without authorization, or signing an additional contract with the customer without authorization, or signing an insurance policy with the customer after an insurance accident, or colluding with the applicant, the insured or the beneficiary to terminate the insurance agency contract, creating false claims and deceiving the company; If the circumstances are serious, it shall be handed over to judicial organs for handling.

(6) Insurance premium and insurance premium for stranded customers.

Except for force majeure, the down payment, renewal premium and maintenance premium collected by the salesman shall be paid to the insurer before the end of the day. If it cannot be paid in time for some reason, it should be paid on the next day or the first working day after work, otherwise it will be regarded as detention insurance premium.

Except for force majeure, the salesman shall pay the overpaid insurance premium, insurance premium, termination fee, loan or other funds to the customer on the same day. If it cannot be handed over in time for some reason, it should be handed over the next day, otherwise it will be regarded as detention insurance premium. Detention fee and insurance fee are recorded in one lump sum; If the detention fee exceeds seven working days or the detention insurance fee exceeds seven days without justifiable reasons, the principal and interest of the detention fee shall be recovered and the agency contract shall be terminated. If the circumstances are serious, it shall be handed over to judicial organs for handling.

(seven) unauthorized changes in customer insurance information; The salesman arbitrarily changes the insurance or preservation application confirmed by the customer, terminates the insurance agency contract, and investigates the relevant responsibilities.

(8) Both parties shall give a warning if there are any outstanding bills (transferring the insurance policy without permission). If the customer is left unattended, causing losses to the company or the customer, record it once; If the circumstances are serious, the agency contract shall be terminated.

(9) Customer complaints

1. Give a warning once if you have a bad attitude towards customer service, or violate the company's business management regulations such as new contract signing, preservation, renewal of insurance and claim settlement, and the customer service quality is poor; If the customer complains, surrenders or has a dispute with the company due to the above behavior, record it once; If the circumstances are serious, the agency contract shall be terminated.

2. Business personnel obtain customer information through improper channels, resulting in complaints and warnings; If the circumstances are serious and the influence is bad, the agency contract shall be terminated.

(10) Forcing or inducing insurance, instigating surrender, returning commission, revealing customer information, concealing hesitation period or preventing customers from surrendering insurance during hesitation period.

Taking advantage of administrative authority, position or occupation, forcing or inducing the insured to buy a designated insurance policy, or using improper means to induce the customer to modify an effective contract or use a new one, or inducing the customer to apply for insurance or cancel or terminate any insurance contract with kickbacks or other benefits, or concealing the hesitation period or preventing the customer from surrendering the insurance during the hesitation period, or revealing the customer's personal business, property and privacy. , the insurance agency contract shall be terminated and the relevant responsibilities shall be investigated.

(1 1) Publish various advertisements, notices, letters or documents related to the company in the news media without the company's consent or authorization, thus damaging the company's image; The act of soliciting insurance business by an agent other than the company without the permission of the company; Deceive customers for insurance in the name of the company or others without authorization; Printing and distributing insurance information in the name of the company without authorization; Unauthorized release and distribution of advertisements for increasing staff, misleading candidates; The salesman and the customer have a dispute over the insurance contract and bring a lawsuit to the court without the company's consent; Instead of reflecting problems through normal channels, he deliberately spread statements or behaviors that damage the company's image; Quarrel in the workplace, participate in fights, and openly insult the company's boss, colleagues or customers, prospective customers; Defame peers and colleagues, or handle and sell insurance policies for other insurance institutions, or run insurance brokerage business or reinsurance agency business concurrently; Revealing the company's business secrets; Once the above behaviors are discovered, record them once; If the circumstances are serious, the insurance agency contract shall be terminated and the relevant responsibilities shall be investigated.

(twelve) the personal information of the salesman is untrue, and once it is discovered, it will be warned once; If the circumstances are serious, the insurance agency contract shall be terminated and the recommender shall be given a warning.

(13) The irregular behavior of colleagues fighting for business and increasing staff by improper means shall be given a warning; Complaints, demerits.

(14) Malicious complaint

If I fabricate facts for some purpose, or instruct others to make malicious complaints against employees, business colleagues, special physical examination hospitals and designated hospitals, the insurance agency contract shall be terminated and relevant responsibilities shall be investigated.

(fifteen) in violation of business management regulations.

1. Those who use proposals, product manuals and other display materials that are not approved by the company in the sales process will be recorded once.

2. After receiving the original insurance policy (including the policy receipt) and the new contract review letter, if it is not delivered to the customer within three working days without reasonable reasons, give a warning; If the applicant fails to return the policy receipt to the company within 30 days after signing the policy without justifiable reasons, a warning will be given.

3. Collect the customer's deposit, pay the customer's premium in advance and cause disputes, and give a warning; If the customer premium is charged in IOUs, it shall be recorded once; If a receipt of yin and yang is issued, the insurance agency contract shall be terminated and the relevant responsibilities shall be investigated.

4. If the company refuses to accept the business inspection without reason, or the business quality auditor still has no obvious improvement after putting forward the rectification opinions, it shall be given a warning; If the circumstances are serious, demerits will be recorded. Those who resist the telephone call back by the customer service department of the company, or do not actively cooperate with the investigation and handling of the company after being complained by customers, will be warned once, and if the circumstances are serious, they will be given a big demerit once.

(16) practicing fraud in assessment, promotion and evaluation. In addition to canceling his post qualification, he will be given a warning to himself and the relevant responsible person; For the purpose of expanding business, those who intentionally surrender their insurance during the hesitation period will be given a demerit; If there are more than two similar acts within one year, the agency contract shall be terminated.

(seventeen) the insured died of illness within two years after the insurance contract came into effect, and found that there was a fault in the sales process, and recorded it once; If there is intentional behavior, the agency contract shall be terminated and relevant responsibilities shall be investigated.

(eighteen) business personnel involved in poaching activities, once found to terminate the agency contract.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.