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].