保险销售送上“金条赠礼”：法律红线前的危险诱惑

Core Viewpoint - The article highlights a recent case of insurance sales misconduct in Beijing, where a salesperson promised gold bars as incentives for purchasing insurance, leading to legal repercussions and raising concerns about the integrity of the insurance sales industry [1][4][7]. Group 1: Case Summary - In 2023, a client named Mr. Ruan was promised gold bars by salesperson Mr. Jin for purchasing two insurance policies, which ultimately led to a lawsuit after the promised gold was never delivered [1][4]. - The insurance company refunded Mr. Ruan's premiums due to Mr. Jin's clear violations, and subsequently sued him for the return of commissions and damages [4][5]. - The Beijing Financial Court ruled in favor of the insurance company, ordering Mr. Jin to return all commissions and compensate for losses incurred [4][7]. Group 2: Industry Implications - The case illustrates a broader issue of illegal commission practices in the insurance industry, which can distort the purpose of insurance and lead to significant disputes [7][12]. - The rise of illegal commission practices is linked to a high-commission-driven mechanism within the insurance sector, which encourages unethical behavior among sales personnel [11][12]. - Recent regulatory measures, such as the "reporting and operation integration" policy, aim to curb these practices by tightening commission structures and ensuring transparency in insurance product pricing [13][14]. Group 3: Broader Criminal Activities - A related case in Shanghai revealed a criminal network involving high commissions and short-term policy cancellations, indicating a systemic issue within the industry [8][9]. - Between 2020 and 2022, a group led by a contractor named Mr. Song caused significant financial losses to an insurance company through fraudulent practices, resulting in legal action against multiple individuals involved [9][10]. Group 4: Regulatory and Market Trends - The insurance industry is experiencing a decline in the number of sales agents, with a reduction of over 70% from historical peaks, reflecting the impact of regulatory changes [13][14]. - Despite the challenges, there are signs of improvement in industry quality, with increases in insurance depth and density, indicating a shift towards more sustainable practices [13][14].