Core Viewpoint - The article emphasizes the importance of protecting elderly individuals from various scams targeting their financial assets, particularly focusing on fraudulent schemes that exploit their trust and lack of knowledge about financial products and services [4][5][10]. Summary by Sections Scams Related to Housing and Investment - Scammers use "reverse mortgage" schemes to lure elderly individuals with promises of high returns, leading them to mortgage their properties for fake investment products, ultimately resulting in loss of principal and potential foreclosure [5][10]. - The article warns against false investment opportunities that claim to offer government support or policy subsidies, enticing seniors with low-risk, high-return promises, which often lead to financial loss when scammers disappear after receiving funds [10][19]. Scams Involving Elderly Products and Services - Fraudsters sell "elderly products" or offer "health services" under the guise of free health checks or wellness seminars, aiming to gain trust and promote high-end services or products, which are often part of illegal fundraising activities [8][9]. - The article advises seniors to resist temptations and verify investment projects through legitimate channels to avoid falling victim to scams [7][13]. Insurance and Financial Services Scams - Scammers impersonate social security staff to mislead elderly individuals into believing they can access retirement funds through special channels, often resulting in financial loss when payments are made [16][18]. - The article highlights the risk of scams involving insurance policies, where fraudsters encourage seniors to cancel their policies for supposedly better investment opportunities, leading to loss of funds and high fees [19][21]. Other Common Scams - The article discusses the dangers of renting out bank cards, where scammers promise high returns but use the cards for illegal activities, putting the elderly at risk of financial and legal repercussions [22][23]. - It also warns about scams utilizing voice and facial recognition technology to deceive seniors into providing sensitive information or transferring money under false pretenses [24][25]. Conclusion - The article concludes with a call for elderly individuals to enhance their awareness and vigilance against scams, encouraging them to seek information from reliable sources and to protect their personal data [26].

非法中介披着"专业"外衣，实则暗藏陷阱 一些非法中介瞅准了金融消费者的"退保"心理，利用自媒体平台大肆传播虚假信息，伪装成"专业律 师"或"保险专家"。然而，他们的所谓"专业服务"，不过是利用消费者对保险知识的匮乏，先收取一定 数额的定金，将简单的投诉申请包装成复杂的"法律材料撰写"，教唆消费者采取一些极端手段，比如避 开直接与保险公司沟通的渠道，而是通过拨12378监管热线等方式，拖延解决问题的最佳时机。他们甚 至会编造虚假证据，污蔑保险代理人，制造矛盾，试图通过"闹"来给保险公司施压，达到非法退保的目 的。这种行为不仅损害了消费者的合法权益，还可能让消费者陷入法律纠纷的泥潭。因此，面对"全额 退保"的诱惑，消费者一定要保持警惕，选择正规渠道解决问题，切勿轻信非法中介的承诺。 然而，金融消费者急于"止损"的心理，恰恰忽略了保险的初心与核心价值。这份"沉默"的保单，正是守 护我们安稳生活的无形力量，是提前备下的那份万一发生时的底气。保险，并非简单的即时消费，安心 与保障，才是保险最根本的意义。可悲的是，正是利用了我们对沉没成本的不甘心，一种名为"代理退 保"的骗局悄然蔓延... 平安人寿山东分公司提醒您： 看 ...

Core Viewpoint - The article highlights the rise of fraudulent "agent refund" schemes in the insurance sector, where illegal intermediaries mislead consumers into believing they can obtain full refunds on insurance policies, thereby disrupting the financial market and infringing on consumer rights [1][2]. Group 1: Fraudulent Tactics - Illegal intermediaries often impersonate regulatory or financial institution personnel to gain consumer trust and engage in deceptive advertising [2]. - They falsely claim that financial products are problematic or misleading, encouraging consumers to withdraw or cancel their insurance policies under the pretense of reducing losses [2]. - These intermediaries obstruct communication between consumers and legitimate financial institutions, cutting off lawful avenues for consumer rights protection [2]. Group 2: Risks Faced by Consumers - Consumers may incur significant financial losses due to high fees charged by illegal intermediaries, who may also misappropriate refund funds [3]. - Terminating insurance contracts under the influence of these intermediaries can lead to loss of coverage, increased premiums, or denial of future insurance applications [3]. - There is a risk of personal information being exploited for fraudulent activities, including scams and illegal fundraising [3]. - Consumers may suffer damage to their credit ratings due to missed payments or contract breaches instigated by these intermediaries [3][4]. Group 3: Regulatory Recommendations - Consumers are advised to make informed decisions when purchasing insurance, considering their actual needs and understanding product details [5]. - It is recommended to consult banks or regulatory bodies directly for any issues rather than relying on third-party agents [5]. - Consumers should protect their personal information and report any threats or scams to law enforcement to safeguard their assets and safety [5].