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Core Viewpoint - The article highlights the prevalence of commission-based practices in the insurance industry, particularly focusing on the illegal activities surrounding high commissions and rebate schemes that lead to fraud and customer dissatisfaction [4][8][12]. Group 1: Case Studies of Fraud - A case involving an insurance salesperson promising gold bars for purchasing insurance led to a lawsuit where the court ruled the salesperson must return commissions and compensate the insurance company for losses due to policy cancellations [4][6]. - Another case revealed a group exploiting high commissions and short-term policy cancellations to generate illegal profits, resulting in significant financial losses for the insurance company involved [5][6]. Group 2: High Commission Issues - The insurance industry has a long-standing issue with high commission rates, particularly in long-term products like critical illness and annuity insurance, where first-year commissions can reach 30%-60% or higher [8][9]. - The commission structure, characterized by high initial commissions and significantly lower renewal commissions, incentivizes agents to prioritize short-term gains over long-term customer needs, leading to practices like rebate schemes [9][10]. Group 3: Industry Perspectives on Rebates - Many industry professionals view rebates as a "hidden rule" that can facilitate transactions, while others argue that it undermines the service quality and long-term viability of agents [10][11]. - The prevalence of rebate requests from clients reflects a perception that agents earn excessive commissions, which can be mitigated by improving service quality and client education [11]. Group 4: Legal and Regulatory Implications - The Beijing Financial Court has ruled that any form of rebate or promise of additional benefits in insurance sales is illegal, emphasizing the need for compliance with the Insurance Law [12]. - The article suggests that addressing the root causes of rebate practices requires reforming commission structures and implementing performance evaluation systems that prioritize customer satisfaction and policy retention [12][13].