This behavior of the salesman is a serious violation. As long as the evidence is conclusive, it will be expelled from the insurance company and will not be allowed to engage in the insurance industry in the future. If the amount of misappropriation of funds is huge and the impact is bad, criminal responsibility shall be investigated. You can first call the company's customer service to complain about this agent and ask for a new agent or full surrender. If the company doesn't give you a satisfactory answer within the prescribed time limit, it will generally be better to call the CIRC directly and complain to He Zhong. If it fails, it can only be solved through the court. Don't worry, both agents and companies will be severely punished for misappropriating universal insurance premiums without your authorization.