Is there a rebate for the first year of buying critical illness insurance?

There is no rebate for buying critical illness insurance. Critical illness insurance rebate, refers to the insurance salesman will be part of their own commission in accordance with a certain percentage back to the policyholder. In order to pull in the policyholders, eager to complete the insurance sales performance behavior. The OCI has always disallowed any person to offer, solicit and/or receive any form of rebate from customers.

Commission is essentially "remuneration for policy services", and it is a payment given by the insurance company to the agent, which is not directly related to the policyholder. The agent's commission is calculated by the insurance company through actuarial assumptions and based on the premium, coverage, and duration of the policy, and is essentially derived from the service of the policy. Salespeople themselves make a living from the commissions they receive for servicing policies, and if they don't make money in order to perform, they will soon leave the industry, and the policies that their customers buy will become "orphaned policies" that don't get the quality service that they deserve.

Suggested as a consumer you, do not because of the so-called "rebate", pick up the sesame seeds, lose the watermelon, which is also recognized and respected the fruits of the labor of insurance practitioners. Buy insurance is not for the commission, but focus on the protection itself.

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