河北金融监管局：境外保单不受我国境内法律保护，应谨慎对待

Core Viewpoint - The recent rise in popularity of overseas insurance products carries significant risks, prompting the Hebei Financial Regulatory Bureau to issue warnings to protect consumers' rights [1] Regulatory Compliance - All companies promoting, advertising, or selling insurance products must possess insurance licenses or insurance intermediary licenses issued by financial regulatory authorities [1] - Individuals selling insurance products must be registered with their respective insurance companies or intermediary institutions [1] - Licensed institutions and insurance personnel engaging in activities beyond their authorized scope, including promoting or selling overseas insurance products, are committing illegal acts [1] Risks of Overseas Insurance - Overseas insurance policies are not protected by domestic laws, exposing consumers to various risks such as currency exchange fluctuations, uncertain policy returns, high claims costs, and difficulties in rights protection [1] - Consumers are advised to be highly vigilant and cautious when considering overseas insurance products [1] Recommendations for Consumers - If there is a genuine need for insurance, consumers should purchase through legitimate channels and avoid participating in illegal transactions such as "underground policies" [1] - Caution is advised against investment-type products marketed with "high returns" as a selling point [1]