As an insurance salesman, what should I pay attention to when recommending insurance?

I believe many friends have this doubt. When we are ready to apply for insurance, the insurance salesman may take the product introduction color page, printed plan, plan made by himself and insurance policy, but he just didn't see the contract, so I paid for it and signed it. Is it reliable?

Let's say the conclusion first: this is reasonable and legal, and the interests are guaranteed!

Why? Please see the breakdown of this article:

1. What exactly is an insurance contract? The important foundation of modern business is based on contract, which is the exchange of rights and obligations between both parties, the embodiment of good faith and the legal basis for solving future disputes.

However, the conditions for forming a valid contract are not the same, depending on whether the contract is necessary or unnecessary.

Mandatory contracts require both parties to meet the specific formal requirements of relevant agreements before they can take effect. An unnecessary contract means that both parties meet the substantive requirements of the agreement rather than the formal requirements, thus making the contract effective.

That sounds a little awkward. An insurance contract is a compulsory contract.

This picture reflects four conditions of a typical non-essential contract, including mutual consent, sufficient legal consideration, legitimate purpose and ability to sign a contract.

Mutual agreement can be understood as that both parties are right, one is willing to buy and the other is willing to sell. The legal purpose is that this insurance contract is signed to meet the needs of security, pension and fund planning, and cannot be used for illegal activities such as gambling. The ability to sign a contract means that both parties must have the legal ability to sign a contract, and people without civil capacity can't sign a contract, such as minors and mentally retarded people.

Different countries have different requirements for the legal age of majority, so the time to have the ability to sign contracts is also different. In China, she is 18 years old. The last important condition is sufficient legal consideration, which means that both parties to the contract must provide something of value to each other.

For an insurance company, what he provides is a promise to pay insurance money to the insured or his beneficiary when the insured has the responsibilities stipulated in the policy; For the insured, he provides insurance policies and down payment premiums. Knowing this, we can know that it is not that the insurance salesman will not give you the contract, but that you need to exchange enough consideration. The insurance company can only issue a formal insurance contract after you fill out the application form and pay the down payment.