平安人寿山东分公司2025年金融教育宣传周|了解“三适当”原则，维护合法权益

Core Viewpoint - The "Three Appropriateness" principle in the insurance industry emphasizes providing suitable products or services through appropriate channels to the right consumers [1] Group 1: Appropriate Insurance Products - Insurance companies should establish a product classification and grading management system based on product complexity, premium burden levels, and risk levels of policy benefits to ensure alignment with consumers' risk tolerance [1] Group 2: Appropriate Insurance Sales Personnel - Insurance companies and intermediaries should implement a grading management system for sales personnel based on professional knowledge, sales ability, integrity, and conduct, aligning with the product grading system to ensure consumers receive professional sales services [1] Group 3: Appropriate Consumers - Insurance companies and intermediaries should understand the insurance needs, risk characteristics, premium affordability, and existing similar insurance of policyholders to determine the types and grades of products they can purchase [1] Group 4: Consumer Guidance - The insurance industry provides various purchasing channels, and consumers should choose appropriate channels based on their behavior preferences, insurance product needs, understanding of financial products, and risk tolerance to enjoy efficient and convenient insurance services [1]