平安人寿山东分公司2025年金融教育宣传周•风险提示：识别非法代理退保等新型套路

Core Viewpoint - The rise of illegal "proxy insurance refund" companies exploiting social media platforms to lure insurance policyholders into fraudulent refund schemes, leading to malicious complaints against insurance companies and demands for excessive refund amounts beyond contractual agreements [1] Group 1: Case Study - In May 2025, a woman from Binzhou sought "third-party proxy refund" services after being influenced by online platforms, where a self-identified "lawyer" misled her about her insurance policy's value and promised full refunds for a fee [2] - The woman was coerced into sending a complaint letter, which was found to be similar to previous complaints linked to a "proxy refund" black market company, highlighting the typical tactics used by these fraudulent entities [2] Group 2: Common Characteristics of Illegal "Proxy Refund" - False advertising is prevalent, with impersonators claiming to be "lawyers" or "rights protection experts" promoting "full refunds" and "no loss" claims through social media and short videos [3] - Anxiety is incited by downplaying the value of insurance products and exaggerating policy defects to create fear among consumers [3] - Information is solicited from consumers, including personal identification, insurance policies, and mobile phone cards [4] - Fees are collected under various pretexts, such as "service fees" or "material costs," often amounting to 20%-50% of the expected refund [5]