Group 1 - The purpose of suitability management is for financial institutions to understand products and customers, ensuring appropriate products are sold through suitable channels to the right clients [1] - The professional capability and service standards of the sales team directly impact the effectiveness of consumer rights protection [1] - The company has established a tiered training mechanism for agents, designing differentiated courses based on agent levels, and requires regular training tests before they can sell corresponding level products [1] Group 2 - A new suitability questionnaire has been added for new contract follow-ups, which includes confirming the alignment of insurance plans with customer needs, risk tolerance, and premium affordability [2] - The company verifies whether agents have adequately communicated with clients regarding previously purchased similar insurance products and ensures that the demand analysis questionnaire is signed by the client [2] - A dual protection mechanism is initiated for policies where the sum of the policyholder's age and payment term reaches 75 years, including special prompts during the application process and additional risk level confirmation during the dual recording process [2]