1, telephone sales channel, insurance institutions need to record the whole sales process of all insurance products;
2, Internet insurance business, in accordance with the relevant provisions of the supervision of Internet insurance business to carry out traceability management;
3. In terms of customer base distribution, insurance companies need to record and video key links when selling life insurance products with insurance term of more than one year through insurance agencies;
4, through other sales channels, to the insured over 60 years of age (inclusive) to sell life insurance products with an insurance period of more than one year, or to sell investment-linked insurance products, to deal with the key links of audio and video recording.
Legal basis: Interim Measures for Traceability Management of Insurance Sales Behavior.
Article 7 In the process of implementing on-site synchronous audio and video recording, the recording content shall at least include the following key links in the sales process:
(a) insurance sales practitioners to produce valid identity documents;
(2) insurance sales practitioners produce insurance tips, product terms and written explanations of clauses exempting the insurer from liability;
(3) Insurance sales personnel shall fulfill the obligation of clear explanation to the applicant, and inform the applicant that the product purchased is an insurance product, as well as the name of the insured insurance institution, insurance liability, payment method, payment amount, payment period, insurance period and risk of surrender loss after the hesitation period.
Insurance sales practitioners selling new life insurance products should explain the uncertainty of policy benefits; When selling health insurance products, it should explain the starting time of the observation period of the insurance contract and its influence on the rights and interests of the insured, the medical institutions specified in the contract, the conditions for renewal of insurance and the principle of compensation for medical expenses.
(4) The applicant gives a clear and affirmative answer to the description of the insurance sales practitioners.
(5) The applicant signs the insurance application form, the insurance reminder, the written explanation of the clauses exempting the insurer from liability and other relevant documents.
Where an insurance sales employee sells insurance products with death as the payment condition, the contents of the record shall include the insured's consent to the applicant to conclude an insurance contract for him and his approval of the contract; When selling new life insurance products, it should also include the product manual produced by the insurance salesperson and the risk warning statement of the insurance application copied by the insured.
Article 8 The on-site synchronous audio and video recording of insurance sales activities shall meet the requirements of relevant business norms, and the audio-visual materials shall be authentic, complete and continuous, and the facial features, conversation contents, relevant certificates, documents and signatures of personnel can be clearly identified. No editing in any form is allowed after recording.
Article 9 After completing audio and video recording, professional insurance intermediaries and non-bank insurance agencies shall feed back the recorded audio-visual materials and other business files to the insured insurance companies.
A part-time bank insurance agency shall, after the completion of audio and video recording, feed back the business file information such as the successful recording of the new single business to the insured insurance company.
Article 10 An insurance company shall establish a quality inspection system for audio-visual materials, formulate a quality inspection system, establish a quality inspection information system, and equip quality inspectors who are separated from sales personnel. During the hesitation period, the proportion of quality inspection for audio-visual materials with signed contracts shall not be less than 30%. Among them, 100% quality inspection shall be carried out on the audio-visual materials of insurance business that meet the provisions of Item 2 of Article 6 of these Measures.
If the insurance company finds that the audio-visual materials do not meet the requirements of these Measures during the quality inspection, it shall make rectification within 15 working days from the date of finding the problem.
If an insurance agency of a bank keeps audio-visual materials on its own and fails to provide audio-visual materials to an insurance company, it shall establish a quality inspection system for audio-visual materials in accordance with the above requirements, conduct quality inspection on its own, and timely feed back the quality inspection results to the insured insurance company.
Where the China CIRC has other provisions on the quality inspection of insurance telephone sales business, such provisions shall prevail.