Information disclosure methods include but are not limited to the following forms:
(1) Description and introduction in the media and company website;
(2) Description and introduction at the product introduction meeting;
(3) Description and introduction of the sales personnel;
(four) the return visit of customer service personnel;
(5) Send reports regularly. Article 4 When launching a new product, an insurance company shall prepare a product description and an insurance reminder, and disclose information in accordance with the provisions of these Measures. Article 5 The information disclosure of new products shall accurately describe the product-related information in easy-to-understand language. An insurance company shall be responsible for the objectivity and authenticity of information disclosure, and shall not have major omissions, and shall not deceive, mislead or conceal the insured, the insured, the beneficiary and the public. Article 6 When an insurance company sells new products, it shall present the insurance clauses and product specifications to the insured. If you sell new products to individuals, you should also show insurance reminders.
In concluding an insurance contract, standard clauses provided by an insurance company shall be adopted, and the application form provided by the insurance company to the applicant shall be accompanied by standard clauses, and the insurance company shall explain the contents of the contract to the applicant.
When selling new products to individuals, the insurance policy provided by the insurance company should include the confirmation column of the applicant, and the applicant should copy and sign the following statement: "I have read the insurance clauses, product specifications and insurance tips to understand the characteristics of this product and the uncertainty of policy benefits." Article 7 An insurance company shall show the future benefits of a new product in three grades: high, medium and low, when showing the benefits of the policy in product brochures and other publicity materials.
Interest demonstration should adhere to the principle of prudence, and the assumed investment return rate of dividend insurance and investment-linked insurance or the assumed settlement interest rate of universal insurance used for interest demonstration shall not exceed the maximum limit stipulated by the China Insurance Regulatory Commission. Article 8 Insurance companies and their agents shall not make simple comparisons with other insurance products, bank deposits, funds and national debt. When disclosing new product information, the ratio index shall be used, and misleading or false propaganda shall not be made to the insured, the insured, the beneficiary and the public. Article 9 In addition to group insurance, insurance companies shall establish a return visit system for new products with a term of more than one year. The return visit system should include time, method, content, success rate and problem handling. Article 10 The return visit of an insurance company to the new product applicant shall be completed within the hesitation period. Call back first, and make a recording; If the telephone call back is unsuccessful, you can use a letter or interview, but you must obtain a receipt signed by the insured; If the above methods fail to pay a return visit, the insurance company shall record the return visit and the reasons for the unsuccessful return visit in detail.
The insurance company shall properly keep the recording of the return visit and other supporting materials, and the storage period shall be counted from the date of termination of the insurance contract. The insurance period shall not be less than 5 years, and the insurance period shall not be less than 1 year. Chapter II Management of Information Disclosure Materials Article 11 The legal person in charge and the chief actuary of an insurance company shall ensure that the product specifications are objective, true and free from major omissions, and meet the relevant requirements of information disclosure in these Measures. Article 12 Other information disclosure materials of new products of an insurance company shall be consistent with the insurance clauses and product specifications. Article 13 If an insurance company displays the future benefits of new products to the policyholders, the insured, the beneficiaries and the public in any way, it shall meet the requirements of these Measures. Article 14 The information disclosure materials of new products shall be managed by the head office of an insurance company.
Information disclosure materials of new products designed and printed by provincial branches of insurance companies shall be reported to the head office for approval. Except for provincial branches, other branches of insurance companies at all levels shall not design, print and modify information disclosure materials of new products by themselves. Article 15 An insurance company shall not authorize its agent to design, print and change the information disclosure materials of new products.
An insurance agent shall not design, print or change the information disclosure materials of the new products it sells. Article 16 Insurance companies and their agents shall not use information disclosure materials that are inconsistent with the insurance clauses and product specifications of new products. Chapter III Information Disclosure of Investment-linked Insurance Article 17 If the investment-linked insurance developed by an insurance company gives the applicant the option to transfer the insurance premium into the investment account during the hesitation period, it shall be clearly stated in the application form and insurance clauses. The insurance company shall prompt the applicant to indicate in the insurance application whether to transfer the insurance premium agreed in the contract to the investment account within the hesitation period.
If the applicant chooses to transfer the insurance premium into the investment account during the hesitation period and terminates the contract during the hesitation period, the insurance company shall refund the balance of the account and other expenses except the policy fee and asset management fee; If the insured who chooses to transfer the insurance premium into the investment account after the expiration of the hesitation period terminates the contract within the hesitation period, the insurance company shall refund all the insurance premiums except the policy fees.