从业务员专业度来看：这点尤为重要，因为保险是一个专业度要求非常强的行业，很多互联网产品客户可以自己投保，这种就会存在很多的误区，在健康告知和职业这块，非保险从业人员往往在投保的时候会添加自己的主观意识，觉得自己健康或者符合，这样容易存在很多理赔隐患，有可能被拒赔的风险。
In terms of the professional level of sales personnel: this is especially important as insurance industry has a strict requirement on expertise; for many internet products, customers can apply for insurance by themselves, which will cause many misunderstandings; in terms of health notification and occupation, non-insurance practitioners often add their subjective awareness when applying for insurance, and feel that they are healthy or in line with it; like this, there will be a lot of hidden dangers in claims settlement and the risk of being rejected.