Qi Lu Wan Bao·2025-08-15 03:23Core Viewpoint - The article highlights the risks associated with illegal "agent policy cancellation" practices, emphasizing the importance of consumer awareness and protection against such fraudulent activities [1]. Risk Analysis - Financial Loss Risk: Illegal agencies charge high fees under the guise of "service fees" or "consultation fees," potentially intercepting refund funds or misleading consumers into "cancelling old policies to buy new ones" or purchasing illegal financial products [2]. - Loss of Coverage Risk: Consumers who cancel their policies will lose their existing insurance coverage and will bear the financial burden in case of risk events [3]. - Information Leakage Risk: Consumers are required to provide sensitive information such as ID cards and bank details, which may be misused, leading to potential telecom fraud [4]. Consumer Protection Measures by Ping An Life Shandong Branch - Streamlined Official Complaint Channels: The company has established a consumer rights protection hotline (4001666333) available 24/7 for efficient complaint resolution [5]. - Online Platforms: Complaints can be submitted through the official WeChat account, mini-programs, or the "Ping An Financial Manager" app, allowing real-time tracking of processing progress [6]. - Offline Service Points: Consumers can visit nearby Ping An Life service outlets for face-to-face consultations regarding their rights [7]. Innovative Educational Initiatives - Consumer Education Events: During the 2025 "3.15" event, the company collaborated with subsidiaries to host a "Consumer Protection Carnival" in Jinan, utilizing AI robots and interactive games to educate the public on fraud prevention techniques [8]. Crackdown on Illegal Agency Practices - Cooperation with Regulatory Authorities: The company actively collaborates with regulatory bodies to report and jointly combat illegal policy cancellation agencies, while also exposing fraudulent tactics to enhance consumer risk recognition [9]. Consumer Guidelines to Avoid "Agent Policy Cancellation" Traps - Assess Cancellation Needs Rationally: Consumers should understand that full premium refunds are only available during the contemplation period; after that, only cash value is returned, necessitating careful decision-making [10]. - Utilize Official Complaint Channels: In case of disputes regarding insurance services, consumers should prioritize communication through official channels such as the 95511 customer service hotline or the dedicated complaint hotline [12]. - Protect Personal Information: Consumers must refrain from providing sensitive information to unverified agencies or individuals and should report any information leaks or fraud attempts to the police and contact their insurance company to freeze related operations [13].