Insurance Notes Talking Skills Offensive and Defense Policy Non-personal/Signed on behalf of (1)

In some practical cases, for example, the insurance salesman has brought the guarantee letter back to the company, and after asking the customer's consent, he signs it on his behalf. In fact, is it possible to sign on his behalf when purchasing insurance? benefit?

case

The filial Mr. Li bought a life insurance policy for his parents in Taitung, his hometown. The insured and the insured belong to the same person. However, Mr. Li works in Taipei and has only returned to his hometown once for a long time, so he has to sign the insurance policy as Signed by the salesperson.

The insured, Ms. Chen, was privately set up a life insurance policy by a relative when she was a minor (12 years old), because the relative was an insurance salesperson and needed to contribute to performance. From the standpoint of maintaining the friendship of the relatives, she also agreed to this policy afterwards. , but the signatures of the insured and the legal representative (father/person) in the policy are forged and signed by others.

practice

But in many cases, the relationship between the salesman and the insured person and the insured person is good, or the insured person and the insured person are afraid of trouble and verbally agree to each other, the salesperson signs it, and the insurance contract is gone. In the future, the insured and the insured have no loss of rights and interests, and they may be at peace with each other. This situation is very common in certain insurance types such as auto insurance and travel insurance with low premiums and short insurance periods. The cost of signing, such as round-trip transportation, appointment time and place, etc., is higher than the insurance premium.

If it is a policy with high premiums and large insurance rights, and when the rights of the insured or the insured are damaged, then it is necessary to make it clear whether there is a signature on behalf of the insured. The most controversial cases, such as investment type Policy, when the policy value plummets due to the investment target, the insured or the insured feels uncomfortable, or even the policy value is too low, lower than the minimum target premium, at this time will stand up and claim that it is signed on behalf of, at this time , as long as it is proved that it is not signed by me, the insurance salesman will definitely be reviewed and responsible.

remedy

1. Apply for a supplementary signature. According to the law, the so-called consent of the insured includes prior consent and subsequent consent. Prior consent is permission, and subsequent consent is ratification. In order to avoid disputes and protect their own legitimate rights and interests, whether the insured or the insured, who has not signed the insurance application form, should go to the insurance company to complete the signature procedures in time to retain written evidence. Supplementary signature is essentially the post-event ratification of the act of signing the signature on behalf of others, which has legal effect and is protected by law.

2. Negotiate with the insurance company. If the insured and the insured do not recognize the purchased insurance, they can cancel the insurance according to the law or negotiate with the insurance company for surrender, clarify the fault and responsibility in the process of contracting, and reach an agreement on the amount of surrender; if no agreement can be reached , may file a lawsuit in court.

in conclusion

The Internet is full of rumors and false claims. The biggest problem facing modern people is not finding the source of information, but how to clarify the correct information. As you know, insurance companies are supervised by regulatory agencies, and there are regulations such as the Insurance Law and the rules for the management of insurance salesmen. According to Article 105, the death insurance contract signed by the public with the insurance company without the written consent of the insured to stipulate the insurance amount is invalid. The public can also revoke the contract at any time. If the salesman fails to meet in person, ask the insured and confirm his or her signature in person, he or she may be punished for cessation of solicitation for up to one year, or the salesperson registration certificate may be revoked in accordance with Article 19 of the "Management Rules for Insurance Salespersons". For those who fill in or sign the insurance contract-related documents without authorization, the crime of forging seals and imprints in Article 217 of the Criminal Law, forging documents in Article 210, and exercising forged documents in Article 216 of the Criminal Law shall be punishable by imprisonment for not more than five years.