1. Article 58 of the Regulations on the Administration of Insurance Agents stipulates that an insurance agent shall not change the insurance clauses or raise or lower the insurance premium rate without authorization when engaging in insurance agency business. Every life insurance agent in Shanghai has signed a letter of commitment for honest service, which specifically promises "no commission or rebate for customers". According to the letter of commitment, the agent is responsible for his own exhibition behavior, and anyone can complain to the insurance industry association about the agent who has rebate behavior. According to the seriousness of the case, the illegal agent will be punished to varying degrees. From criticism and education to disqualification 1-3 years, it is particularly serious to ban the insurance industry for life. 2. When the agent returns the commission to the customer naked, he actually risks being disqualified, which is irresponsible to himself. We can hardly expect such a person to be responsible for the policy design and after-sales service of customers. In addition, if a large amount of commission is returned to the customer, the actual income of the agent is definitely much lower than that of other agents. In fact, most of the after-sales services enjoyed by insurance customers are paid by insurance agents. In this way, the rebate agent is affected by economic factors in after-sales service, and its after-sales service quality will be greatly reduced. At the same time, the agent also gave up the after-sales service, and the ultimate victim was the customer himself.