정착지원금 경쟁에 소비자만 '직격탄'…부당승환 54% 급증

This report highlights how competitive recruitment incentives in the insurance industry are creating perverse incentives that harm consumers. The 54% surge in improper policy replacement complaints reveals that settlement support programs, designed to attract agents before new commission rules take effect, are driving unethical sales practices that expose consumers to hidden costs, coverage gaps, and health-status discrimination. Regulators must strengthen oversight to prevent structural industry incentives from directly damaging consumer welfare.