在金融保险领域，有一些不法分子打着"全额退保"的幌子，骗取消费者的信任，从中谋取私利。今天， 就通过一个真实案例，带大家看清"全额退保"黑灰产的真面目。 李先生几年前购买了一份重疾险，每年保费5000元。随着家庭经济状况变化，他觉得保费有压力，便在 网上搜索"退保"信息。这时，一家自称"专业保险维权机构"的公司联系上他，承诺能帮他全额退保，只 收取退保金额20%的手续费。李先生心动了，按照对方要求，提供了身份证、保单、银行卡等个人信 息。 4、推卸责任话术：退保失败后，以"保险公司不配合""政策变化"等借口逃避退款，甚至威胁曝光客户 隐私逼迫其放弃追责。 面对"全额退保"陷阱，大家一定要保持警惕： 1、理性购买谨慎退保：通过正规渠道购买保险产品，购买前充分了解保险条款。退保前审慎理性评估 退保的风险，如失去保障、重新投保保费上涨等。 2、认清代理退保本质：不轻信"代理全额退保"虚假承诺与宣传，合法维护自身权益。如果对保险有疑 问，直接与保险公司沟通解决，不要轻易相信第三方机构。 "维权机构"收到信息后，开始捏造事实，伪造李先生被保险销售人员误导销售的证据，如聊天记录、录 音等，向保险公司恶意投诉。在投诉过程中 ...

Core Viewpoint - The company emphasizes the importance of consumer rights protection in the financial sector, committing to a people-centered development approach and comprehensive implementation of consumer rights protection measures [1]. Group 1: Implementation of "Three Appropriateness" Principle - The "Three Appropriateness" principle serves as the first line of defense for consumer rights protection, with a robust product suitability management system established [2]. - Measures include assessing customer risk tolerance, categorizing product risk levels, and recording sales processes to ensure appropriate products are sold to suitable consumers [2]. - The company strengthens sales team management to prevent misleading sales practices, thereby safeguarding consumers' right to information and choice [2]. Group 2: Comprehensive Protection of Eight Consumer Rights - The company integrates the protection of eight consumer rights into its entire operational process [3]. - Key initiatives include enhancing information security to prevent data breaches, optimizing claims processing through online and intelligent systems to significantly reduce claim times [3]. - Financial literacy programs are implemented to educate the public on basic financial knowledge and risk prevention techniques, alongside improving complaint handling mechanisms for timely consumer response [3]. Group 3: Combating Illegal Insurance Policy Cancellations - The company takes a strong stance against illegal policy cancellations that harm consumer rights, implementing various measures to address this issue [4]. - Initiatives include establishing intelligent recognition systems for technical prevention, collaborating with enterprises for joint defense, and providing risk alerts to consumers through case studies [4]. - The company encourages consumers to remain vigilant against "full refund" promises and to seek redress through official channels, while continuing to enhance consumer rights protection mechanisms and service levels [4].

Group 1 - The illegal agency refund phenomenon has formed a black industrial chain, severely disrupting the insurance market order and harming consumers' legitimate rights and interests [1] - Illegal organizations induce consumers to entrust them with refund matters under the guise of "insurance rights protection" and "full refund," using fraudulent means such as fabricating facts and malicious complaints [1] - The major risks caused by these illegal activities include: 1. Insurance protection void risk, where consumers lose their original insurance coverage after refunding, potentially facing irreversible economic losses if an insurance incident occurs [1] 2. Fund safety risk, involving high agency fees ranging from 20% to 50% and the risk of personal information leakage leading to secondary fraud [1] 3. Information security risk, where illegal organizations may unlawfully obtain, leak, or sell sensitive consumer information, leading to its use in fraud, money laundering, or illegal fundraising [1] Group 2 - A typical case in Dezhou involves a consumer who, after being recommended by an online platform, entrusted a third-party agency for a refund, paying a 30% agency fee, and subsequently lost the right to claim 528,000 yuan in insurance benefits due to contract termination [2] - The agency was found to have engaged in illegal activities, including forging insurance disclosure documents, and the case has been handed over to law enforcement [2] Group 3 - Recommendations for consumer rights protection include establishing risk awareness, being cautious of marketing phrases like "high returns" and "zero risk," and properly safeguarding important documents [3] - Strengthening information verification mechanisms is advised, suggesting consumers obtain accurate information through official channels before making refund decisions [3] - Consumers are encouraged to use formal complaint mechanisms and regulatory bodies for any doubts regarding insurance services, emphasizing the importance of maintaining a healthy and orderly financial market environment [3]

Core Viewpoint - The company is actively promoting financial education and consumer rights protection through various community outreach activities, aiming to enhance financial literacy and risk awareness among consumers [1][4]. Group 1: Community Engagement - The company conducted a "Risk Awareness Delivery" event in the Weijia community, distributing financial knowledge brochures and providing answers to insurance-related questions [2]. - In the Baizhuang convenience market, the company engaged with citizens by distributing financial knowledge materials and educating merchants on preventing telecom fraud and illegal fundraising [3]. Group 2: Educational Initiatives - The company organized a "Financial Knowledge in Primary Schools" event at Hongde Primary School, focusing on financial literacy and risk prevention through interactive games and simulations [4]. - The initiative aims to instill a sense of financial safety and consumer rights among students, fostering a culture of honesty and integrity [4]. Group 3: Ongoing Commitment - The company emphasizes its commitment to social responsibility by continuing to promote consumer rights protection and the integrity of the insurance industry [4]. - Future activities will include enhancing consumer protection channels and increasing support for inclusive finance and the real economy [4].

9月15日，平安人寿临沂社区金融网点走进金雀山街道清泉庄社区，开展"风险提示送上门，平安人寿进 社区"公益宣传活动。 未来，社区金融临沂市区网点将持续开展此类惠民宣教活动，将更多实用的金融知识送到居民身边，履 行企业社会责任，助力提升公众金融素养。 活动现场，网格专员通过发放《金融风险提示手册》，结合真实案例，为社区居民开展一对一讲解，重 点提示非法中介欺骗手段、互联网贷款常见陷阱及电信诈骗识别技巧等内容，帮助居民增强对金融风险 的直观认识。专员还耐心解答居民疑问，提醒大家保护好个人金融信息，不轻信高利诱惑，树立理性借 贷观念，从源头上杜绝受骗可能。 本次活动切实提升了社区居民的防非反诈意识和自我保护能力，营造了"全民反诈、理性金融"的社区氛 围，为构建和谐平安社区奠定了坚实基础。 ...

Group 1 - The event on September 18, 2025, was part of the National Cybersecurity Publicity Week, focusing on the themes of "Cybersecurity for the People" and "Zero Distance Between Police and Citizens" [1] - Ping An, a leading global "comprehensive finance + healthcare and elderly care" group, emphasizes its responsibility in building cybersecurity and protecting over 240 million personal customers' information and property security [1] - The rapid development of the internet and artificial intelligence has highlighted the importance of cybersecurity as a key guarantee for social and national stability [1] Group 2 - Ping An Good Doctor formed a professional volunteer team to provide emergency support during the cybersecurity publicity event, ensuring the health and safety of attendees [1] - The company has long adhered to the principle of "finance for the people" and actively engages in volunteer services and educational public welfare projects [1] - Ping An Good Doctor aims to leverage technology and resources to participate in social welfare and security projects, contributing to the construction of a healthy China and a strong cyber nation [1]

平安人寿河东支公司后续将继续深入社区、商圈、乡镇开展金融知识普及活动，把风险防范理念传递到 更多人身边，切实守护好广大消费者的"钱袋子"，助力构建安全、健康、有序的金融环境。 九月金融教育宣传周期间，平安人寿河东支公司走进财源广场，开展"金融知识进商圈"宣传活动。河东 支公司负责人带领宣传团队，向商户及过往市民发放金融风险提示、防范非法代理维权等宣传彩页，并 结合典型案例，现场讲解防范金融诈骗、警惕代理退保等风险的重要性。 活动中，宣传人员用通俗易懂的语言，提醒大家警惕"高收益""零风险"等虚假宣传，不轻易泄露个人信 息，不随意点击不明链接，遇到可疑情况及时向金融机构或公安机关咨询核实。针对商户关心的资金安 全、支付风险等问题，宣传人员也给予了细致解答。不少商户表示，这样的活动很有针对性，既提高了 金融消费安全意识，也学到了实用的防范技巧。 ...

Core Viewpoint - The event organized by Ping An Life Insurance in Linyi aimed to enhance financial literacy among community residents through practical and engaging financial education sessions [1] Group 1: Event Overview - Ping An Life Insurance collaborated with Yinan Branch to host a "Financial Classroom" public outreach event at the Kaiyuan Jinfu Community Party Activity Center [1] - The event attracted a full audience, demonstrating high enthusiasm and a warm atmosphere among residents [1] Group 2: Educational Focus - The event focused on everyday financial needs, covering topics such as family financial planning, insurance protection functions, prevention of illegal fundraising, and identification of telecom fraud [1] - Professional instructors provided clear explanations and real-life case studies to make the information accessible [1] Group 3: Community Engagement - An interactive session allowed staff to patiently address various financial questions from residents, alleviating many common concerns [1] - Various financial promotional materials and brochures were distributed to residents for further learning and knowledge reinforcement [1] Group 4: Company Philosophy and Future Plans - This outreach reflects Ping An Life Insurance's commitment to the "Finance for the People" philosophy and proactive community service [1] - The company plans to continue such beneficial financial literacy activities to enhance public financial awareness and maintain financial security and stability [1]

费县支公司积极响应费县金融监管支局号召，开展消保金融知识宣传进商圈活动。费县金融监管支局杨 局长亲临现场，向群众发放并讲解金融风险提示、防范非法代理维权等金融安全手册，重点提醒防范金 融诈骗和代理退保风险，现场氛围热烈、互动频繁。 为深入贯彻落实国家金融监管总局关于金融教育宣传周的工作部署，提升公众金融素养，防范化解金融 风险，平安人寿临沂中支组织旗下沂水、郯城、费县、罗庄、沂蒙路等多家机构开展县域联动宣传，形 成"多点开花、全域覆盖"的宣传格局，把金融知识送到群众身边。 郯城：商圈宣讲 警惕金融陷阱 郯城支公司走进鲁商广场，开展消保金融知识宣传进商圈活动。宣传人员向商户和市民发放宣传彩页， 结合典型案例讲解防范非法代理维权、警惕"代理退保"陷阱等内容，提醒大家增强自我保护能力。 沂水：广场宣传 守护金融权益 沂水支公司在县府广场大红门处，围绕"保障金融权益 助力美好生活"年度主题，联合开展2025年金融 教育宣传周活动。通过设立咨询台、悬挂横幅、发放宣传资料等形式，向市民普及防范非法集资、电信 网络诈骗、反洗钱等知识，引导大家树立理性投资理念。 费县：部门联动 权威解读风险 罗庄：校园宣讲 守护金融春芽 罗 ...

Core Viewpoint - The event organized by Ping An Life Insurance aims to enhance public financial literacy and risk prevention in response to national regulatory requirements [1] Group 1: Event Overview - The financial education campaign took place on September 11, 2025, in Pingyi Commercial Street, focusing on financial knowledge dissemination [1] - Staff distributed brochures covering topics such as basic insurance knowledge, illegal fundraising prevention, anti-money laundering, and personal information protection [1] Group 2: Community Engagement - The event featured interactive elements like consultation desks, banners, and exhibition boards to create an engaging atmosphere for the public [1] - A participant expressed appreciation for the event, highlighting its significance in increasing awareness of financial knowledge and vigilance against financial scams [1] Group 3: Future Commitment - Ping An Life Insurance Pingyi Branch plans to continue its social responsibility efforts by regularly conducting financial literacy activities to improve public financial awareness and risk prevention [1]