金融教育宣传周系列之“防范非法金融中介”： 火眼金睛识黑产 专业耐心保权益 太平人寿揭穿“全额退保”陷阱 守护百姓钱袋子

Core Viewpoint - The article highlights the increasing prevalence of illegal financial intermediaries posing as "agents for full policy refunds," which severely jeopardizes consumer financial and information security. The company successfully assisted clients in identifying and avoiding multiple scams involving these intermediaries, thereby protecting consumer rights [1][3][4]. Group 1: Consumer Protection Efforts - The company emphasizes its commitment to consumer protection, actively working to enhance financial safety awareness and risk prevention capabilities among consumers [5][6]. - The company has implemented various educational initiatives, such as the 3.15 Financial Consumer Rights Protection Education Campaign and the National Insurance Publicity Day, to promote financial literacy and safeguard families [6]. Group 2: Case Studies of Consumer Assistance - A case involving an elderly client who initially sought a full refund due to alleged sales misguidance revealed inconsistencies in her claims, leading the company's staff to suspect the involvement of illegal intermediaries. The staff's proactive engagement helped the client realize she had been misled and ultimately withdrew her complaint [3]. - Another case featured a client who, influenced by misleading online content, sought to cancel her five-year critical illness insurance policy. The company's representatives provided thorough explanations of the potential consequences of such actions, helping the client recognize the importance of her insurance coverage and terminate her dealings with the fraudulent intermediary [4]. Group 3: Nature of Illegal Intermediaries - Illegal financial intermediaries exploit consumers' urgent needs and lack of insurance knowledge, using "full refund" offers to encourage them to fabricate claims and file malicious complaints against insurance companies for illicit gains [4]. - The company warns consumers to utilize official channels, such as the 95589 customer service hotline or physical service centers, for policy refunds or dispute resolutions, thereby preventing illegal intermediaries from taking advantage of them [4].