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보험판매 수수료 분급 기간이 2년에서 7년으로 확대되면서, 현장에서는 수수료 체계에 대한 전반적인 이해 부족으로 혼선이 우려된다. 수수료 구조의 핵심을 간과한 채, 1~2차년 선지급 수수료와 3~7차년 유지관리 수수료만을 중심으로 논의가 이루어 지고 있다. 기자가 최근 영업현장 관계자들과 수수료 7년 분급제를 주제로 이야기를 나누는 과정에서, 금융당국이 이미 ‘보험판매수수료 개편방안’을 발표했음에도 불구하고, 여전히 핵심 내용을 잘못 이해하고 있는 경우를 다수 확인했다. 금융당국은 지난 6월 2일 발표한 ‘보험판매수수료 개편방안’을 통해 1차년도 수수료에는 시책비를 포함한 ‘1200% 룰’을 적용한다고 명시했다. 그러나 현장 일부에서는 2차년도 이후에는 유지관리 수수료만 존재하며, 시책비는 별도 집행이 가능하다는 오해가 있다고 한다. 하지만 금융당국의 보도자료에 따르면, 보험사가 설계사나 대리점에 지급하는 전체 판매수수료는 상품 설계 시점에 계획된 계약체결비용 범위 내에서만 집행되어야 한다고 명시하고 있다. 계약체결비용(표준신계약비)은 보험업감독규정 제4-32조와 시행세칙 별표17에서 ‘수수료 등’으로 표기 설계사에게 직접 또는 간접적으로 귀속되는 모든 비용이 포함된다고 명시하고 있다. 즉 2차년도 이후에도 시책비는 수수료 총액에 포함된다는 의미다.<br> <div class="sound_only display-none ui-helper-hidden" style="width: 2px; height: 2px; overflow: hidden"><br> <a href="https://preed-life.net" target="_blank" rel="noopener noreferrer follow">상조</a> - 상조<br> <a href="https://preed-direct.co.kr" target="_blank" rel="noopener noreferrer follow">장례</a> - 장례<br> <a href="https://mfinancial-csn.co.kr" target="_blank" rel="noopener noreferrer follow">태아보험 다이렉트</a> - 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