“职业代退人”泛滥：保险退保黑产链条揭秘

Core Viewpoint - The rise of "professional agents for policy cancellation" in the insurance sector is becoming increasingly concerning, with reports of fraudulent activities and significant financial losses for insurance companies [2][4][14]. Group 1: Fraudulent Activities - A recent case highlighted by the financial regulatory authorities involved individuals using "agent for policy cancellation" as a guise for extortion, resulting in a loss of 2.1762 million yuan for insurance companies and illegal profits of 489,600 yuan for the perpetrators [2][3]. - The phenomenon of "agent for policy cancellation" is prevalent on social media, with many posts claiming high success rates for policy cancellations, attracting numerous comments and interactions from users [4][9]. Group 2: Victim Experiences - Some policyholders reported success rates of 70% to 95% in obtaining refunds through intermediaries, while others faced scams, losing deposits in the process [5][10]. - A case study revealed a policyholder who received 18,000 yuan in refunds after paying a service fee of 1,900 yuan (approximately 10.6%) to the intermediary, despite lacking evidence of wrongdoing by the insurance agent [10][12]. Group 3: Legal Implications - Legal experts indicate that if intermediaries incite policyholders to fabricate or exaggerate claims against insurance companies, it constitutes a clear violation of the law [6][14]. - The insurance sales process is governed by strict regulations, and violations can lead to penalties, including fines ranging from 20,000 to 100,000 yuan for individuals and up to 300,000 yuan for agencies [15][16].