Article 31 An insurance salesman shall objectively, fully and exactly disclose the information relevant to the relevant insurance products and services and shall expressly inform the clients of the important information about the liability exemption, hesitation period, waiting period of health insurance products, insurance refund, etc.
Article 32 When an insurance salesman sells such new insurance products as bonus-sharing insurance, investment interlink insurance and all-purpose insurance, he shall expressly inform the clients of the deduction of the expenses of such products and make them aware of the investment risks.
Article 33 An insurance salesman shall hand the insurance policies and other important documents to the applicant or the insurant himself (herself) for signature and confirmation.
Article 36 No insurance salesman may conduct any of the following acts when engaging in insurance sales activities:
(1)Making false or misleading explanations or publicity;
(2) Printing and producing, issuing or transmitting any publicity materials of insurance products without authorization;
(3)Making unfair or incomplete comparison between different insurance products;
(4)Concealing any important information relevant to the insurance contract;
(5)Making a commitment on any bonus, surplus distribution or future uncertain proceeds which are not covered in the insurance contract;
(6)Making a false or misleading statement on the financial status or solvency of the insurance company;
(7)Fabricating or spreading false facts to impair the business reputation of any other insurance company or insurance intermediary institution or individual by making use of the result of any administrative punishment;
(8) Forcing or inducing any applicant to conclude an insurance contract by making use of its (his) administrative power, advantageous status or position or by other improper means, or restricting him from concluding an insurance contract by those improper means;
(9) Giving or promising to give an insurance applicant, insurant or beneficiary any other interest not covered in the insurance contract;
(10)Charging any fee other than the premium from any insurance applicant, insurant or beneficiary;
(11)Obstructing an insurance applicant from performing the obligation of telling the truth or inducing him not to perform the obligation of telling the truth;
(12)Modifying any insurance term or insurance premium rate without permission or authorization of the insurance company;
(13)Filling out or modifying the contents of the insurance contract and its documents without permission of the parties of the insurance contract;
(14)Without permission of the insurance applicant or insurant, signing or instigating others to sign the insurance policies and relevant important documents for the insurance applicant or insurant;
(15)Inducing or instigating any applicant to terminate or waive a valid insurance contract and to buy a new insurance product, and damaging the interests of the applicant;
(16)Divulging any commercial secret or personal privacy of any insurance applicant, insurant, beneficiary or insurance company;
(17)Engaging in insurance sales activities beyond the business scope or sales region as specified in the Practice Certificate;
(18)Misappropriating, holding back or occupying any insurance premium, insurance claim or insurance money;
(19)Defrauding an insurance company of insurance money or insurance claim by colluding with an applicant, insurant or beneficiary;
(20) Forging, altering, renting, lending or transferring any Qualification Certificate(s) or Practice Certificate(s);
(21)Privately printing and producing, forging, altering, renting, buying or selling, concealing or destroying any insurance policies; or
(22)Other acts which disturb the insurance market order and which are specified by the CIRC.