China's laws adopt the principle of examination and approval system for the establishment of insurance agencies, that is, the establishment of insurance agencies must be approved by the China Insurance Regulatory Commission, obtain a business license to operate insurance agency business, go through industrial and commercial registration procedures, and obtain a business license before they can engage in insurance agency business activities.
Extended data:
According to the Regulation on the Supervision of Professional Insurance Agencies:
Article 25 A professional insurance agency shall place its license in a prominent position in its domicile or business premises.
A branch of a professional insurance agency shall place a copy of its company license (stamped with the official seal of its legal person institution) and its business license in a prominent position in its business premises.
Article 26 A specialized insurance agency may engage in the following insurance agency business:
(1) Acting as an agent to sell insurance products;
(two) the agent to collect insurance premiums;
(3) Acting as an agent for survey and claim settlement of relevant insurance business;
(4) Other businesses approved by the China Insurance Regulatory Commission.
Article 27 A professional insurance agency shall set up branches when engaging in insurance agency activities in provinces, autonomous regions and municipalities directly under the Central Government other than its place of registration.
The business area of a branch of a specialized insurance agency company shall not exceed the province, autonomous region or municipality directly under the Central Government where it is located.
Article 28 The employees of a professional insurance agency shall meet the requirements stipulated by the CIRC of China.
The term "insurance agency employees" as mentioned in these Provisions refers to those who are engaged in insurance product sales or related survey and claim settlement work in insurance agencies.
Article 29 A professional insurance agency shall train its employees in insurance law and business knowledge as well as professional ethics education.
Employees of insurance agencies shall receive training for not less than 80 hours before taking up their posts, and each person shall receive training and education for not less than 36 hours after taking up their posts, including legal knowledge training and professional ethics education for not less than 12 hours.
Article 30 A specialized insurance agency shall set up special account books to record the income and expenditure of insurance agency business.
Where a professional insurance agency collects insurance premiums, it shall open an independent insurance premium collection account for settlement.
Article 31 A professional insurance agency shall establish a complete and standardized business file, including at least the following contents:
(1) The basic information about the insurance policies sold by the agent, including the names of the insurer, the applicant and the insured, the names of the insurance products sold by the agent, the insurance amount, insurance premium and payment method, etc. ;
(2) The collection and delivery of insurance premiums from the insured company;
(3) The amount and collection method of insurance agency commission;
(4) Other important business information.
The records of professional insurance institutions shall be true and complete.
Article 32 A specialized insurance agency shall properly manage and use all kinds of documents and materials provided by entrusted insurance companies; After the termination of the agency relationship, the remaining documents and materials shall be delivered to the insurance company within 30 days.
Article 33 When an insurance agency engages in insurance agency business, it shall sign a written agency contract with an insurance company to stipulate the rights and obligations of both parties according to law. The principal-agent contract shall not violate laws, administrative regulations and the relevant provisions of the China Insurance Regulatory Commission.
Article 34 A professional insurance agency shall make a standardized customer notification form and present it to customers when conducting business.
The customer notification shall at least include the name, business place, business scope, contact information and other basic matters of the insurance professional agency and the insurance company.
If there is an association between an insurance professional agency and its directors and senior managers and an insurance company or related intermediary, it shall be explained in the customer notification.
Article 35 A professional insurance agency shall clearly remind the insured of the terms in the insurance contract, such as exemption or exclusion of liability, surrender and other expenses deduction, cash value and hesitation period.
Thirty-sixth professional insurance agencies shall handle professional liability insurance or deposit a deposit within 20 days from the date of obtaining the license.
A professional insurance agency shall, within 65,438+00 days from the date of applying for occupational liability insurance or paying the deposit, submit a copy of the occupational liability insurance policy or deposit agreement and a copy of the original deposit certificate to the China Insurance Regulatory Commission.
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