平安人寿山东分公司2025年金融教育宣传周|风险提示：安心享受保险保障，警惕代理退保骗局

Core Viewpoint - The article highlights the growing concern among insurance policyholders regarding the value of their policies, leading to a rise in fraudulent activities related to policy cancellations and refunds [1][2] Group 1: Consumer Sentiment - Many insurance consumers feel that their premiums are wasted if they do not utilize their policies, especially in a challenging economic environment [1] - There is a psychological tendency among consumers to seek "full refunds" for their policies, which can lead to exploitation by fraudulent entities [1] Group 2: Fraudulent Activities - Illegal intermediaries are targeting consumers' desire to cancel policies by posing as "professional lawyers" or "insurance experts" [2] - These intermediaries mislead consumers by charging fees for simple complaint applications and encouraging extreme measures to avoid direct communication with insurance companies [2] - The fraudulent practices include fabricating evidence and creating conflicts to pressure insurance companies into illegal refunds, which can lead to legal disputes for consumers [2] Group 3: Consumer Protection - Consumers are advised to remain vigilant against the allure of "full refunds" and to seek solutions through legitimate channels rather than trusting illegal intermediaries [2]