Core Viewpoint - The article highlights the increasing prevalence of illegal financial intermediaries posing as "agents for full policy refunds," which severely jeopardizes consumer financial and information security. The company successfully assisted clients in identifying and avoiding multiple scams involving these intermediaries, thereby protecting consumer rights [1][3][4]. Group 1: Consumer Protection Efforts - The company emphasizes its commitment to consumer protection, actively working to enhance financial safety awareness and risk prevention capabilities among consumers [5][6]. - The company has implemented various educational initiatives, such as the 3.15 Financial Consumer Rights Protection Education Campaign and the National Insurance Publicity Day, to promote financial literacy and safeguard families [6]. Group 2: Case Studies of Consumer Assistance - A case involving an elderly client who initially sought a full refund due to alleged sales misguidance revealed inconsistencies in her claims, leading the company's staff to suspect the involvement of illegal intermediaries. The staff's proactive engagement helped the client realize she had been misled and ultimately withdrew her complaint [3]. - Another case featured a client who, influenced by misleading online content, sought to cancel her five-year critical illness insurance policy. The company's representatives provided thorough explanations of the potential consequences of such actions, helping the client recognize the importance of her insurance coverage and terminate her dealings with the fraudulent intermediary [4]. Group 3: Nature of Illegal Intermediaries - Illegal financial intermediaries exploit consumers' urgent needs and lack of insurance knowledge, using "full refund" offers to encourage them to fabricate claims and file malicious complaints against insurance companies for illicit gains [4]. - The company warns consumers to utilize official channels, such as the 95589 customer service hotline or physical service centers, for policy refunds or dispute resolutions, thereby preventing illegal intermediaries from taking advantage of them [4].

Group 1 - The core issue highlighted is the rise of fraudulent "agent refund" schemes that mislead consumers into providing personal information and paying high fees under the guise of securing full insurance refunds [1][2][5] - A case study is presented where an individual was targeted by a fraudulent scheme, leading to legal action against the perpetrators, emphasizing the need for consumer awareness [1][2] - Four common tactics used by illegal intermediaries to deceive consumers are outlined, including false identity claims, creating anxiety about insurance products, soliciting sensitive information, and charging exorbitant fees [1][2][5] Group 2 - Legitimate refund processes are detailed, including a three-step approach for consumers to safely navigate insurance refunds, emphasizing the importance of using official channels [2][3][4] - Specific conditions under which consumers can claim full refunds are provided, such as during the cooling-off period or in cases of sales misconduct [2][4] - The potential risks associated with impulsive decisions to cancel insurance policies are discussed, including personal information theft, interruption of coverage, and legal repercussions [6][7] Group 3 - Recommendations for consumers include being cautious of promises of full refunds without losses, safeguarding personal information, and reporting fraudulent activities [5][6][7] - The essence of insurance as a risk management tool is reiterated, urging consumers to think carefully before opting for policy cancellations [7]

Core Viewpoint - The rapid development of the financial consumer market has led to the emergence of illegal intermediary organizations that exploit consumers through false promises and fabricated evidence, prompting the Xiamen Financial Regulatory Bureau to issue a warning about the risks associated with illegal intermediaries in the insurance sector [1] Group 1: Types of Scams - "Full Refund" Trap: Fraudsters claim they can assist with full refunds and charge fees based on a percentage of the refund amount, leading to significant losses for consumers who also risk legal repercussions for falsifying evidence [2] - "Injury Yellow Bull" Scheme: These criminals approach victims at accident scenes or hospitals, promising high compensation and quick claims, while actually inflating claims through forged documents and selling personal information for illegal activities [3] - "Coordinated Insurance" Scam: Fraudsters mislead consumers into purchasing non-insurance products under the guise of legitimate insurance, leaving consumers without adequate compensation in the event of an accident [4] Group 2: Consumer Protection Recommendations - "Four Musts": Consumers should choose legitimate channels for insurance transactions, protect personal information, critically assess risks associated with promises of no fees, and seek legal recourse through official channels in case of disputes [4] - "Four Must Nots": Consumers should avoid trusting third-party agents, refrain from signing blank authorization forms, not engage in evidence fabrication, and address disputes promptly to prevent further losses [5]