Regulations Governing Postal Simple Life Insurance Operations Article 56
Should an agent violate the regulations hereof or be at fault in any of the following ways, apart from when an agent suspected of breaking the law shall refer the solicitor to the law enforcement for investigation of alleged crime, Chunghwa Post shall punish him/her with a suspension for the said solicitation activities for a period of not less than three months but not more than one year or revoke his or her solicitor registration, and arrange mandatory trainings for the solicitor:1. In regard to matters affecting the rights and interests of the applicant or the insured, the agent has either given an explanation that is a misrepresentation or has failed to give any explanation at all.2. The agent instigates the applicant or the insured to conceal facts or make false statements; or the agent knows that the applicant or the insured has concealed facts or made false statements and has intentionally kept it from the company.3. The agent hinders the applicant or the insured from providing relevant information.4. In order to obtain business, the agent gives the applicant or the insured incorrect quotes, sharing parts of the commission or employing some other inappropriate method to provide a discount on the premium.5. The agent has made exaggerated promotional statements or advertisements or used other inappropriate methods to solicit business.6. The agent has hired people to work for him or her without the permission of Chunghwa Post.7. Signed documents on behalf of an applicant or an insured, or filled out an insurance contract document without the consent or authorization of an applicant or an insured.8. Instigated an applicant by means of threat, inducement with promise of gain, concealment, deceit, or any other inappropriate means, or false representation to terminate an in-force insurance contract and enter into a new contract that resulted in damage to the applicant.9. The agent has received premiums without Chunghwa Post’s authorization, or the agent has received premiums with Chunghwa Post’s authorization but instead of turning in the money has embezzled it or failed to give a formal receipt in accordance to regulations.10. Lent his or her solicitor registration certificate for use by others or used other’s registration certificate.11. Solicited or recommended insurance business or other financial products not yet approved or recorded by the FSC.12. Solicited insurance business or business in similar nature on behalf of a juristic person or an individual that has not been approved by the FSC to engage in insurance business.13. Made improper comparison by means of exaggeration or misrepresentation between different insurance contracts, or between an insurance product and bank deposit or other financial products.14. Disseminated untrue statements or promotional materials, hence disrupting the financial order.15. Diverted the funds of the applicant or kept the policy and the seal of the applicant under his or her custody.16.Involved in any major violation or malpractice in the qualification test provided in Article 48, which has been verified.17. Other business misconduct in the capacity of a solicitor.For any agent whose registration has been suspended for a total of two years while the agent’s registration is still valid, the agent’s registration shall revoke his or her solicitor registration.Solicitors who refuse to accept suspension and revocation of solicitor registration may lodge an appeal to Chunghwa Post within one month from the day following the date on which the notice of punishment arrives, and the appeal shall not be made more than once. Chunghwa Post shall notify the solicitor in writing of the result of the review within one month from the day following the date on which the written materials of the appeal arrive.
中文原文 郵政簡易人壽保險監督管理辦法第56條
業務員有違反本辦法之規定或有下列情事之一者，除有犯罪嫌疑，應依法移送偵辦外，中華郵政公司應按其情節輕重，予以三個月以上一年以下停止招攬行為或撤銷其業務員登記之處分，並應參加教育訓練：
一、就影響要保人或被保險人權益之事項為不實之說明或不為說明。
二、唆使要保人或被保險人對保險人為不告知或不實之告知；或明知要保人或被保險人不告知或為不實之告知而故意隱匿。
三、妨害要保人或被保險人為告知。
四、對要保人或被保險人以錯價、放佣或其他不當折減保險費之方法為招攬。
五、對要保人、被保險人或第三人以誇大不實之宣傳、廣告或其他不當之方法為招攬。
六、未經中華郵政公司同意而招聘人員。
七、代要保人或被保險人簽章、或未經其同意或授權填寫有關保險契約文件。
八、以威脅、利誘、隱匿、欺騙等不當之方法或不實之說明慫恿要保人終止有效契約而投保新契約致使要保人受損害。
九、未經授權而代收保險費或經授權代收保險費而挪用、侵占所收保險費或代收保險費未依規定交付正式收據。
十、以登記證供他人使用或使用他人登記證。
十一、招攬或推介未經金管會核准或備查之保險業務或其他金融商品。
十二、為未經金管會核准經營保險業務之法人或個人招攬保險。
十三、以誇大不實之方式就不同保險契約內容，或與銀行存款及其他金融商品作不當之比較。
十四、散播不實言論或文宣，擾亂金融秩序。
十五、挪用款項或代要保人保管保險單及印鑑。
十六、於參加第四十八條之資格測驗，發生重大違規、舞弊，經查證屬實。
十七、其他利用其業務員身分從事業務上不當行為。
登記有效期間內受停止招攬行為處分期間累計達二年者，應予撤銷其業務員登記處分。
業務員不服受停止招攬登記、撤銷登記處分者，得於受處分通知到達之次日起一個月內，向中華郵政公司提出申復，並以一次為限，中華郵政公司應於申復書面資料到達之次日起一個月內將復查結果以書面通知業務員。
一、就影響要保人或被保險人權益之事項為不實之說明或不為說明。
二、唆使要保人或被保險人對保險人為不告知或不實之告知；或明知要保人或被保險人不告知或為不實之告知而故意隱匿。
三、妨害要保人或被保險人為告知。
四、對要保人或被保險人以錯價、放佣或其他不當折減保險費之方法為招攬。
五、對要保人、被保險人或第三人以誇大不實之宣傳、廣告或其他不當之方法為招攬。
六、未經中華郵政公司同意而招聘人員。
七、代要保人或被保險人簽章、或未經其同意或授權填寫有關保險契約文件。
八、以威脅、利誘、隱匿、欺騙等不當之方法或不實之說明慫恿要保人終止有效契約而投保新契約致使要保人受損害。
九、未經授權而代收保險費或經授權代收保險費而挪用、侵占所收保險費或代收保險費未依規定交付正式收據。
十、以登記證供他人使用或使用他人登記證。
十一、招攬或推介未經金管會核准或備查之保險業務或其他金融商品。
十二、為未經金管會核准經營保險業務之法人或個人招攬保險。
十三、以誇大不實之方式就不同保險契約內容，或與銀行存款及其他金融商品作不當之比較。
十四、散播不實言論或文宣，擾亂金融秩序。
十五、挪用款項或代要保人保管保險單及印鑑。
十六、於參加第四十八條之資格測驗，發生重大違規、舞弊，經查證屬實。
十七、其他利用其業務員身分從事業務上不當行為。
登記有效期間內受停止招攬行為處分期間累計達二年者，應予撤銷其業務員登記處分。
業務員不服受停止招攬登記、撤銷登記處分者，得於受處分通知到達之次日起一個月內，向中華郵政公司提出申復，並以一次為限，中華郵政公司應於申復書面資料到達之次日起一個月內將復查結果以書面通知業務員。