Banks try to harness the ills of silver and insurance

The dress of the silver and insurance personnel can not be confused and not sold to the elderly over 60 years old (trainee reporter Cheng Intern Li Junhui Tai Jing He Yan-lan) Insurance personnel clothing can not be the same as bank staff, prohibit to the age of 60 years old to sell insurance ...　　Yesterday, the reporter learned from some banks in Wuhan, in order to standardize the sale of silver Insurance, has begun to block leakage fortification. "Recently, the headquarters issued a regulation of the sale of silver and insurance documents, the previous measures more refined." "ICBC Hubei Province Branch sales department general manager Cheng told reporters that the bank now requires insurance company personnel and banking staff must wear a different uniform, wearing insurance company's chest card." The insurance company personnel cannot sell the silver insurance product separately, can not act as the bank lobby manager and the Finance manager position.　　While the bank staff in the sale of silver products, must have a professional insurance sales qualification certificate, Lobby Manager, counter staff can only guide customers, Introduction, can not carry out later operation. Hubei Branch of the construction bank in the pre-sale, sale, after the three links to check. Before the sale of the product, the salesman should analyze the nature of the product and understand the customer group that the product adapts to. In the sale in accordance with the terms of the policy and the provisions of marketing discourse to customers, explain to the customer the insurance product payment period, protection period, initial costs, surrender costs, policy management fees and other related matters, for the product risk, such as the uncertainty of dividend return to inform customers, after the product sold.　　The bank will also conduct a spot check on the insurance company's return visit. In the relevant documents provided by CCB, the reporter also saw that "the insurance products should not be confused with bank deposits, the insurance products should not be compared with bank deposits and financial products."　　In principle, it is prohibited to sell insurance to customers over the age of 60 (including), or to prohibit the sale of insurance products for more than 15 years at the age of 55-60 years. AgBank said that in the insurance products into the line of sales, insurance companies must sign a commitment with the bank, the commitment in the sales process should not mislead consumers, can not exaggerate the benefits and conceal the real life, at the same time the bank employees are strictly prohibited publicity.