What must be underwritten by the underwriter and then issued by the insurance company?

Insurance policy for seniors over 65 years of age. Insurance sales to seniors over the age of 65 must be manually reviewed by the insurance company before the bill is issued. This means that when selling insurance to the elderly, banks will not be able to issue orders on the spot. And if the policy is surrendered within the hesitation period, the insurance company will only charge a policy cost of 10 yuan; thirdly, in terms of deductions, the new regulations require banks and policyholders to reach an agreement, and require banks to deduct premiums and remind consumers via text message within 24 hours Fourth, financial insurance will have a sales cap of 80%. The cancellation of "stationary sales" by insurance personnel is expected to reduce misleading and chaotic sales in bancassurance channels. Insurance personnel's stationary sales at bank branches have been controversial. This is also an important reason for the frequent occurrence of misleading and chaotic sales in bancassurance channels. The "New Bancassurance Regulations" explicitly prohibit "station sales".