河北金融监管局发布风险提示：境外保险热度攀升 这些风险须警惕

Group 1 - The Hebei Financial Regulatory Bureau issued a risk alert regarding the purchase of overseas insurance, emphasizing the need to protect the legal rights of financial consumers [1] - Companies promoting, advertising, or selling insurance products must hold valid insurance licenses issued by financial regulatory authorities, and individuals must register with their respective insurance companies or intermediaries [1] - Licensed institutions and insurance personnel engaging in activities beyond their authorized scope, such as promoting or selling overseas insurance products, are committing illegal acts [1] Group 2 - Overseas insurance policies are not protected by domestic laws in China, posing risks such as exchange rate fluctuations, uncertain policy returns, high claims costs, and difficulties in rights protection [1] - Consumers are advised to be cautious and to purchase insurance through legitimate channels, avoiding participation in illegal transactions like "underground policies" and being wary of investment products marketed with "high returns" [1]