Violation.

According to the query on Xicai.com, it is illegal for an insurance salesperson to help customers use their credit cards to buy critical illness insurance. The reasons are as follows:

1. Violation of insurance product sales regulations: Insurance salesperson As a professional salesperson, you should comply with the insurance company's sales regulations and regulatory requirements. If an insurance company or regulatory agency stipulates that credit cards cannot be used to purchase insurance products, then it would be a violation for an insurance salesperson to help customers swipe their credit cards to buy critical illness insurance.

2. Infringement of customers’ right to know: Customers have the right to know, including the cost of insurance products, coverage period, coverage scope and other information. If an insurance salesperson helps a customer use a credit card to buy critical illness insurance but fails to fully explain to the customer the risks and responsibilities of using a credit card to purchase insurance, the customer's right to know may be violated.

3. Credit card cash-out problem: If an insurance salesperson helps a customer swipe a credit card to buy critical illness insurance, and then returns it to the customer in cash, this involves a credit card cash-out problem. Cashing out on a credit card is against the rules of credit card use and may have a negative impact on the customer's credit history.