保险销售全面分级倒计时！“想卖就卖”“保险乱配”将成过去

Core Viewpoint - The recent issuance of the "Measures for the Appropriateness Management of Financial Institution Products" by the Financial Regulatory Bureau marks a significant shift in the insurance sales landscape, emphasizing the need for classification and grading of insurance products and sales personnel to enhance consumer protection and industry integrity [1][4][10]. Group 1: Regulatory Changes - The new regulations require financial institutions to classify and grade insurance products, aligning with the grading of sales personnel, and necessitating demand analysis and financial capability assessments for policyholders [4][5]. - The measures aim to protect consumer rights by preemptively addressing potential risks associated with high-risk products, particularly for vulnerable groups such as seniors [6][12]. Group 2: Impact on Sales Practices - The implementation of these regulations is expected to reshape sales behaviors, enforcing a tiered authorization system that compels institutions to enhance training and assessment mechanisms for sales personnel [5][11]. - The introduction of hidden thresholds for premium payments relative to household income is anticipated to reduce impulsive purchasing and subsequent disputes over policy cancellations [5][6]. Group 3: Industry Challenges and Future Trends - The insurance industry faces challenges in adapting to the new classification and grading systems, which may lead to a temporary reduction in sales personnel as lower-quality agents are phased out [8][13]. - The long-term outlook suggests a shift towards a more professional and elite sales force, with a focus on matching qualified agents with appropriate products for clients, thereby enhancing the overall quality of service in the insurance sector [11][12].