A 招商餐行 | 2 招行消保 時坑有好 课程度 8 大 马信 老年朋友们 本喵梳理了近期高发的八大骗术 和您一起守护养老钱 助您安享幸福晚年! 警惕以"以房养老"为噱头的骗局 不法分子打着"以房养老"的旗号,以 高额收益为诱饵,诱骗老年人抵押房产 购买虚假的"理财产品",实际上是利 用老年人房产办理抵押贷款,将套取的 资金挪作他用,不仅无法收回本金和承 诺的利息, 抵押的房产还可能被强制拍 卖。 3 避坑有招: ＂ 避坑有招: 不要被"保本高息""保 证收益"的说辞迷惑。不法分子宣称的"以 房养老"只是假借国家政策之名行诈骗钱财 之实，老年人若有需要, 应从正规途径了解以房养 老政策，选择正规机构和 1 渠道，并对投资项目多方 查证，谨慎对待。 2 警惕以销售"老年产品"为名的骗局 不法分子打着售卖"老年产品"或提 供"健康服务"的幌子,通过免费体 检、养生讲座、专家义诊等方式获取 老年人信任， 以推销高端养老服务或 者销售养老产品等方式,实施非法集 资行为。 避坑有招: 抵制诱惑, 不被 小恩小惠打动,不相信"朱返 息"之类的诱饵。树立正确投资 意识，通过正规机构咨询和购买 金融产品，遇到涉嫌非法集资行 ...

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].