对误导、搭售“说不” 监管力促保险市场风清气正

Core Viewpoint - The China Banking and Insurance Regulatory Commission (CBIRC) has issued a draft regulation aimed at addressing persistent issues such as sales misrepresentation and bundling in the life insurance sector, with the goal of creating a more transparent and trustworthy sales environment for consumers [1][2]. Group 1: Regulation Overview - The draft regulation consists of eight chapters and eighty-five articles, focusing on the full process of life insurance sales, including pre-sale, during-sale, and post-sale behaviors of insurance companies and intermediaries [2]. - The regulation introduces a tiered management system for insurance products and sales personnel, aiming to reduce the risk of sales misrepresentation by categorizing products based on complexity and risk [2][3]. Group 2: Sales Personnel Management - The regulation emphasizes the need for a grading system for insurance sales personnel, allowing experienced agents to sell more complex products while restricting new agents from selling complicated life insurance products [3]. - It also mandates regular integrity evaluations for insurance sales personnel to enhance accountability and trustworthiness in the sales process [3]. Group 3: Consumer Protection - The regulation requires insurance companies to conduct suitability assessments for consumers, guiding them to make informed purchasing decisions based on their financial capabilities [5][6]. - A new provision for "suggesting termination of insurance" is introduced, where companies must advise consumers to halt purchases if the products are deemed unsuitable for their financial situation [6]. Group 4: Market Impact - The implementation of the regulation is expected to improve the overall perception of the insurance industry, reduce complaints, and lower the rate of policy cancellations by fostering a more ethical sales environment [4][6]. - The regulation aims to empower consumers to make rational insurance purchases, ultimately leading to a more orderly and competitive market [6].