What if the insurance salesman cheats the customer? What should the insurance company do for such a salesman who doesn't abide by professional ethics?

Hello! The professional ethics of insurance sales practitioners is the sum of moral norms, moral sentiments and moral qualities that are closely related to their professional activities and meet the requirements of professional characteristics. It is not only the behavior standard and requirement for one's own personnel in professional activities, but also the moral responsibility and obligation of the profession to society. The professional ethics of insurance sales practitioners belong to the category of self-discipline, and some aspects of professional life are regulated through conventions and codes. Insurance sales practitioners should abide by the law, be honest and trustworthy, be competent professionally, put customers first, be diligent and conscientious, compete fairly and keep secrets in their professional activities. The following is a detailed introduction:

1. Abide by laws and regulations: take the Insurance Law of People's Republic of China (PRC) as the code of conduct, abide by relevant laws and administrative regulations, and abide by social ethics; Abide by the relevant rules and regulatory documents of the insurance regulatory department and obey the supervision and management of the insurance regulatory department; Abide by the rules of self-regulatory organizations in the insurance industry; Abide by the management regulations of the affiliated institutions.

2. Honesty and credit: take the initiative to produce a legal practice certificate in practice activities, and truthfully inform the customer himself or his institution of the relationship with the insurance company; Introduce the information of insurance products and services to customers objectively and comprehensively, and truthfully inform the subsidiaries of insurance-related customer information so as not to mislead customers; The insurance products recommended to customers shall meet the needs of customers, and customers shall not be forced or tricked into buying insurance products.

3. Professional ability: obtain legal qualification and have sufficient professional knowledge and ability before practicing; Strengthen business learning in practical activities and constantly improve business skills; Participate in examinations and continuing education organized by insurance regulatory authorities, insurance industry self-regulatory organizations and affiliated institutions, so that they can constantly adapt to the requirements of the insurance market for insurance agents.

4. Customer first: provide warm, thoughtful and high-quality professional services to customers; Do not affect the normal life and work of customers, behave politely and keep professional image at all times; Actively avoid conflicts of interest in practice.

5. Diligent and conscientious: uphold a diligent working attitude and strive to avoid mistakes in practical activities; Loyal service, not infringing on the interests of affiliated institutions; Shall not misappropriate or occupy the premium, and shall not exceed the agency authority of the agency contract or the authorization of the subsidiary body without authorization.

6. Fair competition: respect competitors and do not denigrate, belittle or negatively evaluate insurance intermediaries, insurance companies and their employees; Relying on professional skills and service quality to compete, the means of competition are legitimate, compliant and legal, and the business is not carried out by administrative force or other improper means; Strengthen exchanges and cooperation with people in the same industry to achieve complementary advantages and common progress.

7. Confidentiality: the obligation of confidentiality to customers and affiliates.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.