中国人民人寿山东省分公司 - 金融宣传月 Insurance sales deception is a behavior where insurance sales personnel provide false or misleading information to consumers. This behavior can lead to significant recognition errors for ordinary people. What is insurance sales deception behavior? First, it is confusing product types. Selling insurance products under the name of other financial products such as savings deposits, bank financing, and funds without fully explaining that the recommended product is an insurance product. Second, it is exaggerating insurance income. Investment-type insurance expected returns are usually divided into high, middle, and low three categories, while insurance sales personnel intentionally hide low returns and exaggerate expected return rates. (Note: According to regulatory requirements, investment-type insurance expected returns should not exceed 80% of the savings rate). The common deception 'four roads' Third, it is hiding important contract details. Not fully explaining important insurance contract information such as excluding responsibility, pre-mature withdrawal loss, deductions, etc., to consumers. Fourth, it is breaking the coverage stage and true information. Inducing consumers to 'take ill insurance', hiding true health status, falsifying basic information, or not fully informing back-to-the-visitor