所谓代理退保，并非新生事物。在金融监管总局官网，能查到较早的警示文件可追溯至2019年。 此后几年，这场灰色生意经历了三个发展周期。记者从一位研究代理退保黑灰产专家处了解到，第一阶段在2020年。其诱因不仅是经济压力，更关键的是短 视频平台带来的流量红利，打破了保险信息的壁垒，也让退保信息得以广泛传播。当时投诉渠道畅通，保险公司处理效率高，退保黑产主要通过信息差获 利。 在各家保险公司殚精竭虑地发出警告，甚至将"代理退保"的危害拍成短剧的今天，代理退保这条游走在灰色地带的产业链非但没有销声匿迹，反而在短视频 平台的流量浇灌下愈发活跃。他们披着"维权""法律咨询"的外衣，以"正义使者"自居，为焦虑的投保人递上一颗看似能"全额退保及时止损"的后悔药，专治 消费者的不甘。 然而，这颗药丸的毒性远超想象：它不仅让消费者面临"险财两空"的窘境，更折射出保险行业粗放发展遗留的历史顽疾，考问着多方共治下的监管难题。北 京商报记者调查发现，代理退保黑产已悄然演化出三个发展周期，在流量红利下高度产业化运作。 为何这剂"毒丸"，总能找到它的"买家"？ 演变的三阶段 第二个阶段始于保险公司发现退保赔付激增，传统投诉渠道逐渐失效。黑 ...

Core Viewpoint - The article highlights a consumer complaint regarding a discrepancy between the promises made by an insurance agent and the actual terms of the insurance contract, raising concerns about sales practices in the insurance industry [4]. Company Overview - Sunshine Insurance Group Co., Ltd. was established in 2005 and is one of China's top 500 enterprises, focusing on life and property insurance [3]. - In 2024, Sunshine Insurance Group reported total premium income of 128.38 billion yuan, an increase of 8.0% year-on-year, with Sunshine Life achieving premium income of 80.45 billion yuan, up 7.8% [3]. Product Specifics - The "Sunshine Life Zhenxin 2019 Lifetime Major Illness" insurance product is a lifelong critical illness insurance that includes death benefits and was awarded in 2019 as a noteworthy health insurance product [3]. - Concerns have arisen regarding whether this type of critical illness insurance allows for the return of the principal after 20 years, with industry experts suggesting that such a return is unlikely unless the product includes a "whole life" component [3][5]. Consumer Experience - A consumer named Mr. Wang was misled by an insurance agent who promised a return of the principal after 20 years, which was later contradicted by the insurance company's explanation that only the cash value of the policy could be refunded [2][4]. - The article notes that many consumers, like Mr. Wang, often trust agents and neglect to read the contract details, leading to misunderstandings and disputes [5]. Industry Insights - Data from the National Financial Supervision Administration indicates that in the first three quarters of 2024, complaints about policy cancellations accounted for 48.3% of personal insurance complaints, while sales-related complaints made up 31.1% [5]. - The complexity of insurance products often makes it difficult for ordinary consumers to fully understand the terms, highlighting the need for better training and management of insurance agents to prevent misleading statements [5]. Legal Guidance - In cases where there is a discrepancy between an agent's verbal promises and the written contract, legal experts recommend that consumers file complaints with the insurance regulatory authority for third-party verification and potential mediation [6].