"真的太感谢你们了，如果不是你们及时发现，我不但钱没了，身份信息还有可能被泄露！"近期，各地 打着"代理退保"幌子的非法金融中介活动屡见不鲜，严重损害着消费者财产、信息安全。太平人寿服务 人员凭借专业经验和真诚服务，成功帮助客户识破了多起由黑产中介参与的"全额退保"骗局，及时保护 了消费者切身权益。 今年5月，辽宁客户Z女士也因非法金融中介误导，坚持要求全额退掉已缴费五年的重疾险，并拒绝告 知退保原因。太平人寿工作人员本着对客户负责的态度，多次联系客户，耐心解释退保会产生的如保障 中断、现金价值损失、重新投保成本增加上升等一系列后果，使客户想起了购买保险的初衷。Z女士坦 言，因为生意失败，一时轻信了网上"全额退保"短视频的诱导，与对方签署了《代办业务委托合同》， 同意其使用身份证、银行卡等证件信息，还承诺退保后将给予对方50%即5万元左右的退保费用。意识 到巨大隐患后，Z女士果断终止了与黑产人员的联系，向工作人员表达感谢："谢谢你们，帮我保住了 我家的'安全网'！" "代理退保"黑产中介常利用消费者急迫心理和对保险知识不熟悉的弱点，以"全额退保"为诱饵，教唆消 费者虚构事实、伪造证据、恶意投诉保险公司，从中牟 ...

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]

近年来，金融消费市场快速发展。部分不法中介机构以"代理退保""代理理赔""代理销售"为幌子，通过 虚假承诺、编造证据等手段侵害金融消费者合法权益。近日，厦门金融监管局发布《关于警惕保险领 域"非法中介"的风险提示》，对常见的非法中介陷阱进行了详细剖析。 "全额退保"陷阱 不法分子通过社交平台、电话短信等渠道，宣称"可协助全额退保""不成功不收费"，诱导金融消费者委 托其办理退保业务。他们往往教唆金融消费者编造销售误导证据，通过恶意投诉、舆论造势等方式要求 保险公司提高退保金额。但实际上，不法分子通常收取退保金额一定比例的费用作为手续费，甚至 以"定金""保证金"名义骗取前期费用，金融消费者最终损失远超正常退保，同时失去原有保险保障，甚 至可能因伪造证据被追究法律责任。 "人伤黄牛"套路 这类不法分子通常在事故现场或医院附近主动接触受害人，以"高额赔偿""快速理赔"为诱饵，诱导受害 人委托其代理。他们活跃于交通事故、工伤等理赔案件中，通过伪造医疗证明、困难证明、夸大伤情等 方式要求保险公司提高赔偿金额。在此过程中，金融消费者不仅支付高额费用，甚至个人敏感信息（如 身份证、银行卡号）被不法分子转卖用于诈骗、借贷等 ...