Core Viewpoint - The rapid development of the financial consumer market has led to the emergence of illegal intermediary organizations that exploit consumers through false promises and fabricated evidence, prompting the Xiamen Financial Regulatory Bureau to issue a warning about the risks associated with illegal intermediaries in the insurance sector [1] Group 1: Types of Scams - "Full Refund" Trap: Fraudsters claim they can assist with full refunds and charge fees based on a percentage of the refund amount, leading to significant losses for consumers who also risk legal repercussions for falsifying evidence [2] - "Injury Yellow Bull" Scheme: These criminals approach victims at accident scenes or hospitals, promising high compensation and quick claims, while actually inflating claims through forged documents and selling personal information for illegal activities [3] - "Coordinated Insurance" Scam: Fraudsters mislead consumers into purchasing non-insurance products under the guise of legitimate insurance, leaving consumers without adequate compensation in the event of an accident [4] Group 2: Consumer Protection Recommendations - "Four Musts": Consumers should choose legitimate channels for insurance transactions, protect personal information, critically assess risks associated with promises of no fees, and seek legal recourse through official channels in case of disputes [4] - "Four Must Nots": Consumers should avoid trusting third-party agents, refrain from signing blank authorization forms, not engage in evidence fabrication, and address disputes promptly to prevent further losses [5]