查处过程如下：2023年9月，公安机关接到保险公司报案后对本案立案侦查。2025年3月至9月，法院对 本案作出判决。经法院审理，以合同诈骗罪判处宋某等七人有期徒刑十年六个月至一年不等，并处罚 金，部分人员适用缓刑。其中，宋某因缓刑考验期内犯新罪，撤销原刑事判决书的缓刑部分，决定合并 执行有期徒刑十二年并处罚金。相关判决均已生效。 国际金融监督管理总局表示，近年来，退保黑产犯罪在保险行业呈增长态势，严重扰乱金融市场秩序。 本案中，犯罪团伙虚构具有投保意愿及投保续保能力的事实，隐瞒主观上不具有实际履约意愿的真相， 企图以先投保长期保险再短期退保的方式，套取保险佣金，严重侵害了金融消费者和保险机构的合法权 益，扰乱正常保险市场秩序，应当依法予以严厉打击。对此，金融监管部门会同公安司法机关，持续深 化跨部门协同合作，依法从严打击退保黑产犯罪，遏制保险"黑灰产"发展势头。 坚持源头治理，执法司法联动净化保险行业生态。通过典型个案打击，金融监管部门会同公安司法机关 持续加强行刑衔接，以风险提示、司法建议、普法宣传等举措，深化案例警示教育、强化法律义务告 知，指导保险机构进行投保人真实意愿核查管理和风险管理，通过"个案办理 ...

Core Viewpoint - The article emphasizes the crackdown on illegal activities in the insurance sector, particularly focusing on the rise of "black and gray" industries related to insurance fraud and the illegal purchase of personal information [1][5]. Group 1: Insurance Fraud Cases - A case involving Song and others was reported, where they committed contract fraud under the guise of "short-term policy cancellation." From July 2020 to May 2022, they developed 18 policyholders who were misled into purchasing insurance products without genuine intent to maintain them, resulting in a total investment of over 17.63 million yuan and a loss of 5.84 million yuan to the insurance company [4][5]. - The court sentenced Song and six others to prison terms ranging from one year to ten and a half years for contract fraud, with some receiving fines and others on probation. Song's probation was revoked due to committing a new crime [4][5]. Group 2: Illegal Purchase of Personal Information - Another case involved Wang and others who illegally purchased personal information of insurance policyholders for the purpose of "agent policy cancellation." They acquired 67,207 records, profiting 68,749 yuan from this illegal activity [7][8]. - The regulatory authority highlighted the importance of punishing illegal information purchases to protect personal data security. The article notes that the "agent policy cancellation" industry often begins with the illegal acquisition of personal information, which can lead to targeted scams [8]. Group 3: Regulatory Response - The Financial Regulatory Authority stated that there has been a growing trend in insurance-related fraud, which disrupts market order. They are committed to severe penalties and cross-departmental cooperation to combat these illegal activities [5][8]. - The article calls for a robust mechanism to prevent such crimes, emphasizing the need for collaboration between insurance companies, law enforcement, and public awareness campaigns to create a comprehensive defense against these "black and gray" industries [8].