《中国经济周刊》记者在实地调查中发现,目前大部分的农村保险代理人自身素质不高,更谈不上有什么职业道德认识,目前村民对保险的了解、认可、担忧等,与这些代理人都有直接关系。代理人王元兰对保险条款一知半解,经常讲错保险条款的内容。王推销保险时,经常说“这是天上掉馅饼”；村民们讥讽王是“天上掉下的棒槌”；村民常淑芬是文盲,05年4月曾被王红丽发展为见习代理 China Economic Weekly reporter found in the field survey that at present most of the rural insurance agents are not of high quality themselves, let alone what is the professional ethics, and the villagers know, recognize and worry about the insurance at present, and these agencies People have a direct relationship. Attorney Wang Yuanyun poor understanding of the terms of insurance, often mispronounced the terms of insurance. When Wang was selling insurance, he often said, “This is a pie from heaven.” Villagers ridiculed Wang as “the hammer of the sky.” Chang Shu-fen, an illiterate villager, was developed into a trainee agent by Wang Haili in April 2005