“代理退保”需谨慎 退保“三问”你了解吗

Core Viewpoint - The rise of fraudulent activities related to "agent policy cancellation" and "claims processing" has posed significant risks to consumers and the financial market, with organized crime emerging in this sector [1][2]. Group 1: Fraudulent Activities - Recent incidents highlight the tactics used by fraudsters, such as targeting elderly individuals and exaggerating potential losses to lure them into scams [2][3]. - A specific case involved a 72-year-old man who was misled into believing he could recover 90% of his premium, ultimately losing 4000 yuan in service fees [1]. Group 2: Consumer Warnings - Consumers, especially the elderly, are advised to be cautious when making decisions about policy cancellations, as non-professional advice may lead to poor choices [2][3]. - The company emphasizes the importance of consulting official channels for any policy-related inquiries to avoid falling victim to scams [3]. Group 3: Identifying Legitimate Needs - Insurance professionals suggest that consumers should ask themselves three critical questions before deciding to cancel a policy, ensuring they understand their coverage and potential gaps in protection [4].