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].

21世纪经济报道记者 郭聪聪、林汉垚 "你这边有返佣吗？""某某同业的销售人员卖保险是返佣的，你能返吗？"对于从业十几年的鑫山保险 代理销售总监雷明来说，面对这类的客户询问早已不陌生。她估算，大约有5%到10%的客户会主动提 及返佣需求。 而在市场的另一面，一场关于保险返佣的司法风暴正在掀起。 近期，上海市静安区人民检察院、北京金融法院先后公布保险返佣相关案件，一起是涉案金额超千万元 的 "高返佣 + 短期退保" 黑产案，主犯获刑12年；另一起是销售人员承诺 "买保险送金条" 引发的纠纷， 涉事销售被判返还佣金并赔偿损失。 两起司法案例相继公布，将保险返佣这一行业痼疾推至聚光灯下。 "买两份保险，就送金条。"2023 年，投保人阮某在保险销售人员靳某的推荐下决定投保，正是冲着这 句承诺。但投保后，靳某承诺的金条迟迟没兑现，投保人阮某甚至联系不上靳某，最终选择了解除保险 合同。 因靳某在销售过程中存在违规行为，保险公司将其诉至一审法院，请求判令靳某返还已领取的佣金、奖 励及津贴，并赔偿公司相应经济损失。一审法院判决靳某赔偿上述佣金等损失。靳某不服，上诉至北京 金融法院。 北京金融法院判决指出，作为销售员的靳某因 ...

（原标题：保险骗佣黑幕：有人靠"高额返佣+短期退保"牟利千万?） 21世纪经济报道记者 郭聪聪、林汉垚 "你这边有返佣吗？""某某同业的销售人员卖保险是返佣的，你能返吗？"对于从业十几年的鑫山保险代 理销售总监雷明来说，面对这类的客户询问早已不陌生。她估算，大约有5%到10%的客户会主动提及 返佣需求。 而在市场的另一面，一场关于保险返佣的司法风暴正在掀起。 近期，上海市静安区人民检察院、北京金融法院先后公布保险返佣相关案件，一起是涉案金额超千万元 的 "高返佣 + 短期退保" 黑产案，主犯获刑12年；另一起是销售人员承诺 "买保险送金条" 引发的纠纷， 涉事销售被判返还佣金并赔偿损失。 两起司法案例相继公布，将保险返佣这一行业痼疾推至聚光灯下。 "买两份保险，就送金条。"2023 年，投保人阮某在保险销售人员靳某的推荐下决定投保，正是冲着这 句承诺。但投保后，靳某承诺的金条迟迟没兑现，投保人阮某甚至联系不上靳某，最终选择了解除保险 合同。 因靳某在销售过程中存在违规行为，保险公司将其诉至一审法院，请求判令靳某返还已领取的佣金、奖 励及津贴，并赔偿公司相应经济损失。一审法院判决靳某赔偿上述佣金等损失。靳某不服 ...