First of all, understand the background and reasons of the complaint.
First of all, consumers need to know the specific situation and reasons of salesman's rebate. Commission rebate usually refers to the salesman returning part of the premium or providing other forms of benefits to consumers in order to promote sales. This kind of behavior may violate the regulations of insurance companies, and may also harm the rights and interests of consumers. If consumers find that the salesman has commission rebate behavior, and therefore have doubts or dissatisfaction, they must make a complaint.
Second, collect evidence and materials.
Before making a complaint, consumers need to collect relevant evidence and materials to prove that the salesman has commission rebate behavior. This can include chat records with salesmen, transfer records, audio and video recordings, etc. These evidences will help to support consumers' complaints and increase their persuasiveness.
Third, complain to the insurance company.
Consumers can submit the collected evidence and materials to the insurance company and ask it to investigate and deal with the commission rebate behavior of salesmen. Insurance companies usually set up special complaint channels, and consumers can make complaints through telephone, mail or online platforms. In the process of complaint, consumers need to describe the problem in detail and provide relevant evidence.
Fourth, wait for the processing result.
After submitting a complaint, consumers need to wait for the handling result of the insurance company. The insurance company will investigate the complaint and take corresponding measures according to the investigation results. If the complaint is established, the insurance company may require the salesman to return the rebate and punish the relevant personnel. At the same time, insurance companies will also negotiate with consumers for full surrender.
Verb (short for verb) seeking legal help
If consumers are not satisfied with the handling results of insurance companies, or think that their rights and interests have not been protected, they can seek legal help. Consumers can consult lawyers or relevant institutions to understand their legitimate rights and interests and ways to safeguard their rights. When necessary, consumers can also bring a lawsuit to the court to safeguard their legitimate rights and interests.
To sum up:
It is a way for consumers to safeguard their rights and interests to complain that the salesman asks for a full refund. Consumers need to know the background and causes of complaints, collect relevant evidence and materials, and complain to insurance companies. In the process of complaint, consumers need to remain calm and rational, and actively communicate and negotiate with insurance companies. If the result is not satisfactory, you can seek legal help.
Legal basis:
People's Republic of China (PRC) insurance law
Article 1 16 stipulates:
Insurance companies and their staff shall not commit the following acts in insurance business activities
Law of the People's Republic of China on Protection of Consumer Rights and Interests
Article 10 stipulates:
Consumers have the right to fair trade. When purchasing goods or receiving services, consumers have the right to obtain fair trading conditions such as quality assurance, reasonable price and correct measurement, and have the right to refuse the compulsory trading behavior of operators.