5. The insurance companies and commercial banks shall, in the sale, publicize the bank agency personal insurance products objectively and justly. The publicity contents shall meet the following requirements:
1)The insurance products shall not be introduced as savings products. The concepts of “principal”, and “deposit” may not be arbitrarily applied, the benefits of insurance products shall not be publicized as analogy of the proceeds of bank savings or of national debts in a one-sided way, and the products of the company may not be compared in a one-sided way with the relevant products of other companies. The insurance products shall be publicized in an all-around way in the publicity, especially the guarantee functions, the basis for insurance benefits. The risks and expenses shall be pointed out.
2)Insurance companies shall be the business subjects explaining the insurance products to the clients. The words of “jointly promoted by the bank and insurance company”, “promoted by the bank”, or “new bank financing service”, or other similar words, and the symbol or pattern of the bank may not appear in the publicity contents.
3)Important matters shall be faithfully informed to the clients pursuant to the insurance clauses, and the benefits of the insurance contract may not be exaggerated or exaggerated in a disguised form. The fees for cancellation of insurance, the cash value of insurance policy, and the cooling period, etc., shall be expressly informed to the clients. The insurance companies and commercial banks may not, when explaining to the policy holders, promise any unsure proceeds or make any misleading demonstration, neither may they give any falsified, concealing statements, or statements leading to unfair competition.