平安人寿山东分公司2025年金融教育宣传周•高管讲消保：打击代理退保黑产，守护金融安全与客户权益

Group 1 - The illegal agency refund phenomenon has formed a black industrial chain, severely disrupting the insurance market order and harming consumers' legitimate rights and interests [1] - Illegal organizations induce consumers to entrust them with refund matters under the guise of "insurance rights protection" and "full refund," using fraudulent means such as fabricating facts and malicious complaints [1] - The major risks caused by these illegal activities include: 1. Insurance protection void risk, where consumers lose their original insurance coverage after refunding, potentially facing irreversible economic losses if an insurance incident occurs [1] 2. Fund safety risk, involving high agency fees ranging from 20% to 50% and the risk of personal information leakage leading to secondary fraud [1] 3. Information security risk, where illegal organizations may unlawfully obtain, leak, or sell sensitive consumer information, leading to its use in fraud, money laundering, or illegal fundraising [1] Group 2 - A typical case in Dezhou involves a consumer who, after being recommended by an online platform, entrusted a third-party agency for a refund, paying a 30% agency fee, and subsequently lost the right to claim 528,000 yuan in insurance benefits due to contract termination [2] - The agency was found to have engaged in illegal activities, including forging insurance disclosure documents, and the case has been handed over to law enforcement [2] Group 3 - Recommendations for consumer rights protection include establishing risk awareness, being cautious of marketing phrases like "high returns" and "zero risk," and properly safeguarding important documents [3] - Strengthening information verification mechanisms is advised, suggesting consumers obtain accurate information through official channels before making refund decisions [3] - Consumers are encouraged to use formal complaint mechanisms and regulatory bodies for any doubts regarding insurance services, emphasizing the importance of maintaining a healthy and orderly financial market environment [3]