被“收割”的东南亚低价保险旅游团，万元特产只值800元

Core Viewpoint - The article highlights the deceptive practices associated with low-cost insurance tourism groups, which often disguise aggressive sales tactics under the guise of customer appreciation trips, leading to significant financial burdens for participants [4][5][14]. Group 1: Nature of Insurance Tourism Groups - Insurance tourism groups are often organized by insurance companies or agents in collaboration with travel agencies, targeting specific customer segments [4]. - Many low-cost insurance tourism groups have deviated from their original purpose of customer service, instead becoming platforms for aggressive sales tactics [4][14]. - Participants in these tours frequently face pressure to purchase overpriced goods, with reports of individuals being coerced into spending large sums on items of questionable value [5][10]. Group 2: Consumer Experiences - Tourists have reported being required to spend tens of thousands of yuan on products like agarwood and latex pillows, with some facing ridicule or restrictions if they refuse to buy [4][5]. - The article describes a case where an 18-person group spent nearly 200,000 yuan in two days, with significant amounts spent in a single shopping venue [5][10]. - Many of the products sold are later found to be worth significantly less than their purchase price, leading to feelings of regret among consumers [10][11]. Group 3: Industry Dynamics - The decline in the number of insurance agents, which has dropped by approximately 69.19% since 2019, has contributed to the rise of these problematic tourism groups as agents seek alternative ways to maintain client relationships [14][15]. - The article notes that the pressure on agents to meet performance targets has led some to organize these tours as a means of client retention, despite the potential for unethical practices [15]. - Regulatory challenges complicate the situation, as issues related to forced shopping often fall between the jurisdictions of tourism and financial regulatory bodies [15].