According to Cai Xi's survey. Com, it is illegal for insurance salesmen to help customers buy critical illness insurance by swiping their credit cards for the following reasons:
1. Violation of the sales regulations of insurance products: As professional salespeople, insurance salesmen should abide by the sales regulations and regulatory requirements of insurance companies. If insurance companies or regulatory agencies stipulate that credit cards are not allowed to buy insurance products, then it is illegal for insurance salesmen to help customers buy critical illness insurance by swiping their cards.
2. Infringement of customers' right to know: customers have the right to know, including information such as the cost of insurance products, coverage period and coverage scope. If the insurance salesman helps the customer to buy critical illness insurance by swiping the credit card, but fails to fully explain the risks and responsibilities of using the credit card to buy insurance, it may infringe on the customer's right to know.
3. Credit card cashing problem: If an insurance salesman swipes a credit card for a customer to buy critical illness insurance, and then returns it to the customer in cash, this involves the problem of credit card cashing. Credit card cashing is a violation of credit card usage regulations, which may have a negative impact on customers' credit records.