Core Viewpoint - The article highlights the proactive measures taken by Ping An Life's Rizhao branch to educate villagers in Gaojia Village about financial safety and fraud prevention during the apple harvest season [1] Group 1: Financial Education Initiatives - Ping An Life's Rizhao branch organized a financial insurance knowledge promotion activity in Gaojia Village to protect villagers' financial interests [1] - The promotional team utilized the village's broadcasting system to effectively communicate common fraud schemes, particularly those related to "agent policy cancellation" [1] - The initiative included educating villagers on various financial risks such as telecom fraud and illegal fundraising, emphasizing the importance of vigilance against unfamiliar calls and links [1] Group 2: Community Engagement and Response - The promotional team set up consultation booths in high-traffic areas to distribute informational brochures and provide one-on-one answers to villagers' questions regarding insurance rights and risk identification [1] - Villagers expressed appreciation for the timely information, indicating that the campaign helped them understand practical fraud prevention techniques and the importance of securing their harvest income [1] Group 3: Commitment to Social Responsibility - This outreach effort reflects Ping An Life's commitment to corporate social responsibility and enhancing financial safety in rural areas [1] - The company plans to continue leveraging financial promotion weeks to innovate educational formats and reach more rural communities, transforming professional financial knowledge into accessible "fraud prevention guides" for the public [1]

Group 1 - The core viewpoint of the news is that Ping An Life Rizhao Branch actively engages in public welfare and support for the elderly and disabled, demonstrating corporate responsibility and earning widespread praise [1][3] Group 2 - In the area of public welfare, Ping An Life Rizhao Branch promotes a "one-stop" claims service, which simplifies the process and shortens the time for clients to receive their claims [1] - The company has optimized services for the elderly by creating dedicated service areas in their offices, equipping them with facilities like reading glasses and wheelchairs, and providing specialized service personnel to assist elderly clients [1] - For disabled individuals, the company offers Braille prompts for visually impaired clients and home service for those with mobility issues, ensuring they receive the necessary support [2]

Group 1 - The core idea of the news is that Ping An Life's Rizhao branch is actively promoting financial safety awareness among the public, particularly targeting the elderly at a local market during the "September Financial Promotion Week" [1][2] - The promotional activities include distributing practical "anti-fraud guides" and educating the public on recognizing financial scams, such as phishing links and fraudulent insurance agents [1] - The approach taken by the company is to engage directly with the community in a relatable manner, which has proven effective as many attendees expressed appreciation for the timely information [2] Group 2 - The initiative reflects Ping An Life's commitment to the "Finance for the People" philosophy, aiming to enhance financial literacy and safety among the community [2] - The company plans to continue these outreach efforts beyond the market, bringing financial safety knowledge to various local settings, thereby fostering a secure financial environment [2]

Core Viewpoint - Financial consumer rights protection is not only a corporate responsibility but also a social mission, especially in the context of increasing financial fraud and illegal intermediary activities that threaten the safety and rights of the public [1][10]. Group 1: Consumer-Centric Financial Knowledge Promotion - The foundation of consumer rights protection lies in the popularization of financial knowledge, enabling consumers to make informed choices and avoid illegal activities [2]. - The company plans to conduct multi-level financial education through various methods, including online and offline activities, to help consumers understand insurance products, risks, and rights [3]. - Targeted promotional content will be designed for specific groups, such as the elderly, children, and new citizens, to enhance their financial literacy and risk awareness [4]. - Innovative promotional formats will be utilized, leveraging new media platforms like WeChat and short video platforms to disseminate financial knowledge [5]. Group 2: Risk Prevention Focus - The company emphasizes risk prevention to help consumers identify and avoid illegal financial activities that undermine their rights and market stability [6]. - Risk awareness will be enhanced through case studies and risk alerts, educating consumers about common scams and fraudulent practices [7]. - Clear channels for consumer complaints and rights protection will be established, guiding consumers on how to legally and rationally assert their rights [8]. - Internal management will be strengthened to prevent misleading sales and illegal activities, ensuring all employees adhere to principles of honesty and fairness [9]. Group 3: Long-term Commitment to Consumer Rights Protection - Financial consumer rights protection is a long-term and challenging task that requires collective efforts from all sectors of society [9]. - The company aims to fulfill its social responsibility by promoting financial knowledge and risk awareness at the grassroots level, contributing to a healthy financial environment [10].

三、风险提示 一、真实案例： 临沂张女士投保重疾险时，明知两年前因肺部结节住院，却担心加费或拒保而隐瞒病史。一年后确诊肺 癌申请理赔，保险公司调查发现其投保时未如实告知，依据《保险法》第十六条，拒赔并解除合同。 二、法律依据： 《保险法》规定：投保人故意或重大过失未如实告知，足以影响承保决定的，保险公司有权解除合同。 4.以合同为准：业务员口头承诺无效，书面记录才是关键 5.主动补救：发现未如实告知，可主动联系保险公司补充告知 平安人寿临沂中心支公司提醒广大保险消费者，投保时多一份诚信，理赔时就多一份踏实。如实告知， 是对自己和家人最基本的保障。 1.诚信为本：如实告知是投保核心义务，隐瞒病史会给理赔埋下隐患 2.调查严格：理赔时保险公司会核查医疗记录，隐瞒很难蒙混过关 3.问啥答啥：对询问的健康状况如实回答，未询问的一般无需主动告知 ...

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].

二、典型案例分析 平安人寿山东分公司德州中心支公司总经理 徐国平 当前非法代理退保现象已形成黑色产业链，严重扰乱保险市场秩序并损害消费者合法权益。作为保险机 构负责人，现就相关风险作出专业提示： 一、非法代理退保运作模式及危害 部分不法组织以"保险维权""全额退保"为名，通过互联网平台、社交软件等渠道诱导消费者委托其代理 退保事宜。其惯常采用虚构事实、伪造材料、恶意投诉等违规手段，实质造成三方面重大风险： （一）保险保障真空风险：退保后消费者将失去原有保险保障，若发生保险事故可能面临不可逆的经济 损失 （二）资金安全风险：需支付20%-50%不等的高额代理费用，且存在个人信息泄露导致的二次诈骗风险 （三）信息安全风险：不法组织在代理退保过程中可能非法获取、泄露或贩卖消费者的身份证、银行 卡、保单等敏感信息，导致客户信息被用于诈骗、洗钱、非法集资等违法活动。 2024年德州地区发生王女士重疾退保纠纷案例：消费者经某网络平台推介，委托第三方代理退保，支付 30%代理费用后解除重疾险合同。半年后确诊恶性肿瘤，因保险合同已终止无法获得52.8万元保险金赔 付。经司法鉴定，代理机构存在伪造投保告知书等违法行为，现案件已 ...

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。 ...