“代理退保”需谨慎 退保“三问”你了解吗

Core Viewpoint - The rise of fraudulent schemes such as "agent policy cancellation" and "agent claims processing" poses significant risks to insurance policyholders, particularly targeting the elderly demographic [1][2]. Group 1: Fraudulent Schemes - Recent incidents highlight the prevalence of "agent policy cancellation" scams, where fraudsters mislead policyholders into relinquishing their policies for false promises of high refunds [1][2]. - A specific case involved a 72-year-old man who was lured into a scam through social media, resulting in him transferring a total of 4,000 yuan in service fees, exceeding the normal loss from policy cancellation [1]. Group 2: Target Demographic and Tactics - Fraudulent entities often target elderly individuals, exploiting their lack of familiarity with insurance terms and calculations to exaggerate potential losses and create false promises of high refunds [2]. - Scammers employ tactics such as gradually lowering service fees and using multiple representatives to build trust with victims [2]. Group 3: Consumer Warnings - Consumers, especially the elderly, are advised to be cautious when making decisions about policy cancellations and to avoid blindly following non-professional advice [2][3]. - It is crucial for consumers to verify information through official channels and to protect personal information from potential leaks during the cancellation process [3]. Group 4: Decision-Making Guidance - Insurance professionals suggest that consumers should ask themselves three key questions before deciding to cancel a policy: understanding the policy's coverage, whether the coverage gap can be compensated, and the ability to afford potential medical expenses in the future [4].