1. When making claims, it is not the salesman who loses money, but the insurance company, and the salesman and the insurance company are only agents, not directly affiliated. Unless there is something wrong with their own quality, the salesman will not refuse or delay the processing.
2. At present, the insurance premium is basically paid by bank transfer, which saves the process of transferring the insurance premium from the salesman and there is no misappropriation.
3. When buying insurance, you should read the insurance clauses and product specifications carefully. The insured has the right to ask the salesman to explain every clause and every unclear place until you understand it, because insurance is very targeted. Many people think that as long as they buy insurance, they should pay for it under any circumstances. Actually, it is not. The applicant should clearly know what the insurance liability is, that is, when he can pay and when he can't. This is a requirement that the salesman must explain clearly, which is a clear requirement in the insurance law.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.