人壽保險中的銷售誤導行為

The Study of Misleading Sale in Life Insurance Company

保險是因應社會需要的一種風險轉移手段，是一種安全氣囊式的保障。人壽保險是保險的一種，與其他保險不同的是，人壽保險轉嫁的是被保險人的生存或死亡的風險，對國泰民安具有重要的作用。中國壽險市場在過去二十年經歷了高速增長的階段，其對社會的保障功能日臻完備。中國保險行業協會在“2018中國壽險業十月前海峰會”上首次發佈《壽險產品保障升級與創新》報告，報告指出：“中國壽險行業正處於十字路口，能否回歸到客戶保障需求，打造壽險產品的保障升級和創新能力，將是行業持續健康發展的關鍵，同時也是未來壽險企業的核心競爭力。”雖然創新已是燃眉，但我們不得不承認目前的壽險模式依然存在著嚴峻的問題，首當其衝的就是投保人普遍身受的銷售誤導現象。保險業的壽險公司銷售投訴糾紛最多。而網路上暴露的其他問題也是見微知著，反映了在整體壽險業尚未完善的大環境下消費者的普遍弱勢。在這種情況下，保險公司負有加強管理和規範善後的義務，以此確保對銷售誤導亂象的有效整飭，盡到對投保人的責任。

Life insurance is the important risk transfer tool for modern society, and it likes air bag protection if we image the society like car. Different insurance products transfer different risk. Life insurance is especially considered for us because the risk of death plays an important role in the stability of people. Life insurance market in China has a period of rapid growth. Its social security function is becoming more and more comprehensive. China Insurance Industry Association was released the critical report called ''2018 China Life Insurance Industry Report''. According to the report, China's life insurance industry is at a crossroads. Its critical task is return to customer protection needs. How to avoid misleading sale is the core competitiveness of future life insurance enterprises. Life insurance companies have the largest number of sales complaints. And other problems exposed on the Internet are also provided the clear evidence. Under the circumstances, the insurance company in China has the obligation to strengthen the management and standardize the issues for misleading sales.