7.8全国保险公众宣传日|警惕“代理退保”陷阱，守护您的保险保障

Core Viewpoint - The article highlights the risks associated with illegal insurance policy cancellations, particularly through fraudulent agents who exploit consumers' fears and lack of knowledge about their insurance products [1][2][3][4]. Group 1: Risks of Illegal Policy Cancellation - Financial Fraud: Consumers are deceived into paying fees under the guise of "service charges" or "guarantee deposits," and may also be lured into purchasing fake financial products, violating insurance sales regulations [2]. - Information Leakage: Sensitive personal information such as ID cards, bank cards, and policy details are solicited, which can be used for illegal lending and fraud, breaching consumer protection regulations [3]. - Permanent Loss of Coverage: Cancelling a policy may lead to an inability to re-insure due to age or health changes, resulting in a complete loss of risk protection [4]. Group 2: Consumer Protection Guidelines - Recognize Official Channels: Consumers are advised to process policy cancellations through official insurance company websites, customer service hotlines, or physical branches [5]. - Protect Personal Information: It is crucial for consumers to refrain from providing sensitive information to strangers, in accordance with consumer protection regulations [6]. - Verify Agency Credentials: Insurance intermediaries must possess licenses from regulatory authorities, and consumers should be wary of unqualified "black intermediaries" [7]. - Rationally Assess Needs: Before cancelling a policy, consumers should understand the potential cash value loss and consequences of coverage interruption, and can consult official hotlines for guidance [8].