Definition of professional ethics for insurance sales practitioners

Hello! The professional ethics of insurance sales employees is the sum of the moral principles, moral sentiments and moral qualities required by the professional characteristics that are closely related to their professional activities. It is not only the behavioral standards and requirements for the employees in their professional activities, but also the professional responsibility The moral responsibilities and obligations borne by society. The professional ethics of insurance sales practitioners falls within the scope of self-discipline, which regulates certain aspects of professional life through conventions, codes, etc. In their professional activities, insurance sales practitioners should: abide by laws and regulations, be honest and trustworthy, be professionally competent, put customers first, be diligent and conscientious, compete fairly, and keep secrets. The following is a detailed introduction:

1. Abide by laws and regulations Regulations: Take the "Insurance Law of the People's Republic of China and the People's Republic of China" as the criterion for conduct, abide by relevant laws and administrative regulations, and abide by social ethics; abide by the relevant rules and normative documents of the insurance regulatory department, and obey the supervision and management of the insurance regulatory department; abide by Rules of insurance industry self-regulatory organizations; comply with the management regulations of the affiliated institution.

2. Honesty and credibility: Take the initiative to present legal practice certificates during practice activities and truthfully inform customers of the relationship between yourself or your affiliated institution and the insurance company; objectively and comprehensively introduce information about insurance products and services to customers. , and truthfully inform the affiliated institution of customer information related to insurance, and do not mislead customers; the insurance products recommended to customers should meet the customer's needs, and do not force or trick customers into purchasing insurance products.

3. Professional competence: Obtain statutory qualifications and possess sufficient professional knowledge and abilities before practicing; strengthen business learning during practice activities and continuously improve business skills; participate in insurance regulatory authorities, insurance industry self-regulatory organizations and affiliated The examinations and continuing education organized by the institution enable it to continuously adapt to the various requirements of the insurance market for insurance agency practitioners.

4. Customer first: Provide customers with enthusiastic, thoughtful and high-quality professional services; do not affect customers' normal life and work, speak and behave politely, and maintain professional image at all times; actively avoid interests in practice activities conflict.

5. Diligence and responsibility: Adhere to a diligent work attitude and strive to avoid mistakes in professional activities; serve loyally and do not infringe on the interests of the affiliated institution; do not misappropriate or misappropriate premiums, and do not exceed the agency authority or authority of the agency contract without authorization or Authorized by the affiliated institution.

6. Fair competition: respect competitors and do not slander, belittle or negatively evaluate insurance intermediaries, insurance companies and their employees; rely on professional skills and service quality to compete, and the means of competition are legitimate, compliant, and Conduct business legally and without resorting to administrative power or other illegal means; strengthen exchanges and cooperation among people in the same industry to achieve complementary advantages and common progress.

7. Keep secrets: Have confidentiality obligations to clients and affiliated institutions.