平安人寿山东分公司2025年金融教育宣传周•高管讲消保：远离三类陷阱，守护您的金融安全

Core Viewpoint - The article highlights the risks posed by illegal intermediaries, fraudulent insurance claims, and internet loan irregularities, which undermine consumer rights in the financial services sector [1]. Group 1: Illegal Intermediaries and Fraud - Illegal agents for insurance refunds and claims often lure consumers with promises of "full refunds" and "enhanced claims processing," requiring personal information and charging service fees ranging from 20% to 50% [1]. - These fraudulent entities may fabricate complaint materials or induce consumers to cancel their policies, leading to loss of coverage and potential legal consequences due to falsified documents [1]. Group 2: Financial Service Risks - Various illegal intermediaries in the financial sector mislead consumers by promoting "internal channels" and "low-interest quick loans," while concealing critical information about the actual terms and risks involved [1]. - Insurance intermediaries may misrepresent short-term health insurance as "lifetime renewals," and loan intermediaries may exaggerate returns while downplaying risks, resulting in unexpected costs and difficulties in consumer rights protection [1]. Group 3: Internet Loan Irregularities - Some platforms disguise high-interest rates as "fees" and "management costs," obscuring the annualized interest rates, which can lead to excessive borrowing, particularly among young consumers [1]. - There are instances of platforms colluding with illegal intermediaries, causing consumers to unknowingly incur debts while engaging in financial transactions [1]. Group 4: Consumer Protection Measures - Consumers are advised to select legitimate channels for refunds, claims, and loans, directly engaging with licensed financial institutions and avoiding third-party intermediaries [2]. - It is crucial for consumers to assess the cost risks by thoroughly reviewing terms, checking annualized interest rates for loans, and verifying insurance coverage to avoid being misled by verbal promises [3]. - Protecting personal information is essential; consumers should never share sensitive data such as ID cards, bank cards, or insurance policies with unknown intermediaries or platforms [4].