吉林金融监管局：面对“停售”保险等不当宣传时 请保持冷静

Core Viewpoint - The Jilin Financial Regulatory Bureau has issued a warning regarding the risks of "炒停售" (speculative sales of discontinued products), highlighting deceptive practices by some insurance sales personnel who exploit the fear of missing out among consumers to induce hasty purchases of insurance products [1][2]. Group 1: Risks and Deceptive Practices - Some insurance sales personnel create a sense of urgency by promoting products as "last chance" opportunities, misleading consumers into making quick decisions [1]. - There is a tendency to confuse insurance products with investment products, presenting them as "savings" or "investment" options while exaggerating potential returns and downplaying the risks associated with early withdrawal [1]. - Misleading representations of guaranteed versus illustrated returns are common, particularly with dividend and universal life insurance, where the distinction between guaranteed rates and illustrated rates is often blurred [1]. Group 2: Consumer Guidance - Consumers are advised to verify information through official channels and remain calm when confronted with misleading promotions regarding discontinued insurance products [1]. - It is crucial for consumers to understand the fundamental nature of insurance as a risk transfer tool, focusing on its protective attributes rather than viewing it solely as an investment vehicle [2]. - Consumers should be aware that all projected returns on insurance products are hypothetical, and historical performance does not guarantee future results [2].