1. Salesperson fraud: Salesperson fraud is the main reason why you buy insurance. This kind of fraud makes you make an incorrect decision, so the responsibility should be borne by the seller.
2. Ordinary people's general duty of care: Although adults should fulfill their general duty of care, in this case, the fraudulent behavior of salespeople makes it impossible for you to know the real situation of insurance products. So, you should have no fault.
3. Insurance company's responsibility: The insurance company has the responsibility to ensure the compliance of the sales staff and be responsible for the behavior of the sales staff. Because of the fraudulent behavior of the salesperson, you bought insurance, and the insurance company should bear the corresponding responsibility.
In the process of defense, you can cite relevant laws, regulations and cases to support your point of view. For example, you can quote the relevant provisions of the Insurance Law of People's Republic of China (PRC) on the supervision responsibility of insurance companies to salespeople, and similar cases to support your claim.
Finally, you can emphasize that your rights and interests have been violated and demand reasonable compensation. You can point out that you bought inappropriate insurance because of the fraudulent behavior of the salesperson, which caused economic losses and other losses, and you should be compensated accordingly.