如何用“适当性原则”为自己选对保险？

Core Insights - The case highlights significant violations of the suitability principle in insurance sales, particularly regarding product misalignment, improper sales practices, and neglect of customer risk assessment [2] Group 1: Issues in Insurance Sales - The product recommended to the elderly customer was misaligned with her actual needs, as she required liquidity for medical coverage rather than a long-term investment product [2] - The sales process involved violations such as the agent signing on behalf of the customer and failing to conduct necessary health inquiries, leading to a denial of claims [2] - The agent did not assess the customer's risk tolerance or financial literacy, pushing a complex and high-risk product onto a vulnerable individual [2] Group 2: Regulatory and Best Practice Recommendations - Insurance companies are required to evaluate the risks and complexity of their products and implement dynamic management to ensure suitable product recommendations [3] - Sales personnel must enhance their professionalism and provide comprehensive, understandable information about products and services to consumers [3] - Consumers should ensure that selected insurance products align with their actual needs and financial capabilities, and they should actively seek to understand policy terms and conditions [3]