Insurance agents giving out face masks to attract customers - is there any regulatory issue?

Estimated reading time 3 minutes

10Life Team

27 Apr 2022
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10Life Team

27 Apr 2022

Estimated reading time 3 minutes

日常逛街時,偶爾遇上西裝筆挺的人說「先生/小姐,新產品介紹返」,然後塞上一堆保險宣傳小冊子,回過神來,方知是兜售保險,背後是一些臨時攤位或舖位。宣傳自家產品自然沒有問題,但假如這些銷售材料是保險代理「自製」、未經保險公司批准,該保險代理便有機會干犯失當行為。
 
消費者突然被塞上一堆保險宣傳材料,一時之間亦難以分辨是否經保險公司批准。保監局《監管通訊》提到,自製材料一般放置在攤位或商店門外的當眼位置,來吸引途人注意,而且通常不帶有保險公司商標。簡單來說,有保險公司商標未必為真,但假如連商標都欠缺,一定要打醒十二分精神。
 
為了快速吸引途人目光,自製材料很大機會以產品回報作招徠,「大膽但概括」地比較推廣的保險產品與其他投資產品,例如是政府通脹掛鈎債券(iBond)、停車場車位、銀行存款等,是否聽著耳熟?經常聽到某某保險產品回報勝過股市或樓市,實情有機會是斷章取義,有可能誤導消費者。
 

街頭兜售保險有甚麼問題?

 
對於這種街頭兜售,保監局是如此形容--「我們需要的是專業...而非強迫銷售」,指禮貌地吸引途人的注意,並討論有關保險的問題,與攔住途人的去路強迫對方聆聽有很大差別,又指強迫銷售行為違反道德規範,並蠶蝕保險業的可信形象。
 
保監局亦批評,若保險代理以免費口罩作招徠,及假裝只是在進行(與保險無關的)問卷調查,以引起客戶的注意,然後當客戶「上釣」後,便改為推銷保險,此類行為實難稱得上是「公平對待客戶」。
 
相信保險行業的害群之馬只佔一小部分,以下便重列保險公司應採用的良好常規,消費者可用來檢視保險從業者,而保險代理亦可回顧來提升水準:
 
  1. 在授權個人保險代理進行該等營銷活動前,為其提供合規指導和培訓,明確指出「宜忌事項」,推廣公平對待客戶;
  2. 明確指出只可採用由委任保險公司提供或獲其認可的銷售材料;
  3. 要求代理人在開始此類營銷活動前(尤其是自行發起的活動),須事先通知並取得委任保險公司的批准;
  4. 保存一份載列保險代理人在每個攤位、銷售點或其他公共場所平台營銷活動的登記冊,以供監察及紀錄保存之用;
  5. 定期進行實地考察,甚至喬裝神秘顧客,以確保營銷活動符合內部標準和政策,並符合公平對待客戶的原則。
 
保監局最後提醒保險中介人,只要以專業方式行事和合乎道德,並將客戶利益放在首位,街頭銷售行為,亦可以令到準客戶意識到保險的重要性。
 
 
註:本文最後更新日期:2022年4月27日

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Arthur, Law Wing Kai

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10Life Financial Manager of Business Development

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Winnie, Ng Wai King

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FTLife Agency Manager

4.8
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Even, Shum Miu Chu

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恆泰 高級理財顧問

4.6
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Philip, Lee Hon Lun

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YF Life Branch Manager

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