Core Viewpoint - The rise of "professional agents for policy cancellation" in the insurance sector is becoming increasingly concerning, with reports of fraudulent activities and significant financial losses for insurance companies [2][4][14]. Group 1: Fraudulent Activities - A recent case highlighted by the financial regulatory authorities involved individuals using "agent for policy cancellation" as a guise for extortion, resulting in a loss of 2.1762 million yuan for insurance companies and illegal profits of 489,600 yuan for the perpetrators [2][3]. - The phenomenon of "agent for policy cancellation" is prevalent on social media, with many posts claiming high success rates for policy cancellations, attracting numerous comments and interactions from users [4][9]. Group 2: Victim Experiences - Some policyholders reported success rates of 70% to 95% in obtaining refunds through intermediaries, while others faced scams, losing deposits in the process [5][10]. - A case study revealed a policyholder who received 18,000 yuan in refunds after paying a service fee of 1,900 yuan (approximately 10.6%) to the intermediary, despite lacking evidence of wrongdoing by the insurance agent [10][12]. Group 3: Legal Implications - Legal experts indicate that if intermediaries incite policyholders to fabricate or exaggerate claims against insurance companies, it constitutes a clear violation of the law [6][14]. - The insurance sales process is governed by strict regulations, and violations can lead to penalties, including fines ranging from 20,000 to 100,000 yuan for individuals and up to 300,000 yuan for agencies [15][16].

Core Viewpoint - The article highlights a concerning practice at airports where individuals, posing as staff, sell insurance under misleading pretenses, often without proper authorization or transparency [1][5][12]. Group 1: Incident Description - A passenger, Xi Jie, was approached by uniformed individuals at an airport who offered to help her with her ticket and subsequently sold her an accidental insurance policy without her consent, with the premium going to a company named Jiangxi United Online Technology [1][4]. - The sales process involved the staff claiming to check for unnecessary charges on her ticket, leading to a quick and pressured sale of the insurance policy, which was framed as a necessary step to cancel unwanted services [3][10]. Group 2: Company Background - Jiangxi United Online Technology's credentials are questionable, as there is no record of the company having the necessary insurance sales qualifications, and it has been removed from the list of authorized insurance agents [5][14]. - The airport confirmed that the individuals selling insurance were from an outsourced company, but there was no verification of their legitimacy or qualifications [5][12]. Group 3: Legal and Regulatory Concerns - Legal experts indicate that the actions of Jiangxi United Online Technology could be classified as illegal operations due to the lack of insurance sales qualifications, which poses risks to consumers [6][14]. - The article emphasizes that if the company lacks proper authorization, it could lead to significant legal repercussions for both the company and the airport for allowing such practices [6][14]. Group 4: Consumer Experience and Reactions - Many consumers have reported similar experiences of being misled into purchasing insurance at airports, often under the guise of assistance from staff [11][12]. - The article notes that the sales tactics employed create a false sense of urgency and trust, leading passengers to make hasty decisions without fully understanding the terms of the insurance [9][10].

Core Viewpoint - The article highlights a concerning practice at airports where individuals posing as staff sell insurance products under misleading circumstances, raising questions about the legitimacy of their operations and the potential risks to consumers [1][4][10]. Group 1: Incident Description - A passenger, identified as Xi Jie, experienced a deceptive insurance sales tactic at an airport where she was persuaded to purchase an aviation accident insurance policy without her consent, with the premium going to a company named Jiangxi United Online Technology [1][3]. - The sales process involved staff checking her ticket app and claiming she had unnecessary services, leading her to believe she needed to purchase insurance to resolve the issue [2][9]. - The insurance was sold under the guise of helping her cancel unwanted services, but it was later revealed to be a tactic to push the insurance product [5][9]. Group 2: Company Legitimacy - Investigations revealed that Jiangxi United Online Technology lacks any verifiable insurance sales qualifications, raising concerns about its operations and the legality of its sales practices [4][5]. - The airport confirmed that the sales personnel were from an outsourced company, but there was no evidence of the company having the necessary insurance intermediary licenses [5][11]. - Legal experts indicated that the lack of qualifications could lead to significant risks for consumers, including the potential invalidation of insurance policies due to improper underwriting [5][12]. Group 3: Regulatory Concerns - The article discusses the regulatory framework surrounding insurance sales, emphasizing that sales personnel must disclose their identity and provide clear information about the insurance products being sold [6][12]. - There are strict requirements for insurance sales processes, including the necessity of providing a customer information document and ensuring that premiums are paid directly to the insurance company [7][12]. - The article suggests that the airport's management may be failing in its duty to oversee the activities of outsourced personnel, allowing misleading practices to occur [11][12]. Group 4: Consumer Reactions - Many consumers have reported similar experiences of being misled into purchasing insurance at airports, indicating a broader issue within the industry [10][11]. - Social media complaints reveal a pattern of deceptive practices where passengers are approached by individuals in uniforms who misrepresent their roles and the nature of the services offered [10][11]. - The article concludes that there is a pressing need for better regulation and oversight of insurance sales practices at airports to protect consumers from such deceptive tactics [12][13].