Self-insurance refers to an insurance contract in which the on-the-job salesperson is the applicant, the insured or the beneficiary. Mutual insurance refers to an insurance contract that is sold by an on-the-job salesperson and the applicant, the insured or the beneficiary is another on-the-job salesperson.

When the self-insurance part and mutual insurance part become the hidden rules of the industry, the probability of infinite mismatch between products and customers is greatly increased. On the other hand, the performance indicators that can't be achieved after digging their own resources will inevitably make agents feel "innocent girl". For the agent group with high rate of withdrawal, the first problem under the "awakening" is how to surrender the self-insurance part and the mutual insurance part, which leads to the problem of "agent surrender". This kind of agency behavior, which is almost entirely based on litigation and malicious complaints, makes insurance companies tired of coping. When this happens frequently, it is still the statement of the old internal agent, and the negative impact is that it is difficult to recover how much the public insurance company has done.