【说案】业务员“游说”退保致客户受损，保险公司被判存管理过错

Core Viewpoint - The court ruled that the insurance company must compensate for the losses incurred from the policy cancellation due to misleading sales practices by its agent [1][2]. Case Background - Mr. Ji and Ms. Xu, long-time clients of an insurance company, were persuaded by agent Lan to cancel 10 existing insurance policies and purchase 2 new ones, based on claims of better returns and a promise to cover any losses from cancellation [1]. - Lan misled the couple by omitting unfavorable terms and making false claims about the new products, leading to their decision to cancel the original policies [1]. Court Proceedings - The insurance company argued that the plaintiffs voluntarily canceled their policies and should bear the losses themselves, asserting that they were informed about the products [2]. - The court found that Lan's actions constituted a breach of duty, resulting in the plaintiffs' misunderstanding of the risks involved in canceling their policies [2]. Judgment Outcome - The court ordered the insurance company to pay the plaintiffs a total of 38,427.49 yuan for the losses incurred from the policy cancellation, and declared the two new contracts invalid due to issues with timely delivery and consent [4]. - The insurance company was also required to refund the premiums paid for the new policies and compensate for the financial loss incurred during the period [4]. Legal Implications - The presiding judge emphasized the need for insurance companies to improve client information management and staff training to prevent similar misconduct in the future [5]. - Clients are encouraged to be more vigilant and verify any claims made by agents to protect their interests [5].