Take the case to the risk
01 The gist of the case
Eliminate insurance on behalf of others.
02 Case Introduction
The customer Mr. Peng insured his family members and our company launched Super Energy Insurance for the Elderly (Family Version) for the elderly, and when he first applied for insurance, Mr. Peng said that he would not operate and asked the salesman to apply for insurance on his behalf. For the sake of convenience, Ms. Liu, a salesman, directly insured Mr. Peng through her mobile phone, but when paying the premium, she chose WeChat withholding and bound the renewal deduction fee. When the policy is renewed in the following year, the company's system directly withholds the premium on WeChat according to the renewal authorization method selected in previous years.
The salesman has long forgotten that he has operated the insurance on behalf of him, and after being deducted from the renewal premium, he directly called the complaint**. After verification, the insurance company found that the reason for the deduction was caused by the salesman's misoperation in the same period last year. The salesman was required to contact and communicate with the policyholder first, and after obtaining the consent of the policyholder, he handled the surrender and refund of the insurance in a timely manner.
03 Case enlightenment
Business personnel are greedy for convenience to directly insure customers on behalf of the customer, and there are various hidden problems. In the process of selling products and serving customers, salesmen should strictly comply with the company's requirements and shall not apply for insurance in violation of regulations. Otherwise, in the event of subsequent contract disputes, legal liability will be involved.
*: Dongguan Agency).