今年年初,上海保监局为推动上海寿险营销市场诚信服务跨上一个新台阶,提出设想：在保险营销员展业过程中,倘若其行为存在不规范现象,那么,投保人在一定时限内有权提出终止保险合同,保险人须全额退还其所交全部保险费。这一设想在上海乃至全国保险业内产生了巨大的反响。从设想到《上海市个人营销新型寿险产品服务承诺》出台,上海寿险业为之付出了大量的辛勤劳动。围绕上述设想．上海保监局领导及职能部门人员和上海市保险同业公会有关人员一起,在深入公司一线调研的基础上,由公会组织本市全部寿险会员公司连续多次进行座谈讨论． Earlier this year, Shanghai Insurance Regulatory Bureau to promote Shanghai life insurance market integrity services to a new level, put forward the idea: in the process of insurance marketers exhibition, if the behavior of non-standard phenomenon, then the insured within a certain time limit Proposed to terminate the insurance contract, the insurer must return in full all the premiums it paid. This idea has had a huge repercussion in the insurance industry in Shanghai and even the whole country. From the idea to “Shanghai personal marketing of new life insurance products and services commitment,” promulgated, the Shanghai life insurance industry to pay a lot of hard work. Around the above ideas. Shanghai Insurance Regulatory Bureau leaders and functional departments and the Shanghai Insurance Association and other relevant personnel, in-depth research on the basis of first-line company by the Association organized all the life insurance member companies in the city for many consecutive discussions.