Financial Knowledge Publicity: Insurance Essentials
【代理退保黑產(chǎn)】違法風(fēng)險，您不可不知！
IV. [Illegal Surrender Intermediaries]:?Legal Risks You Must Know!?
近年來，“代理退?！敝饾u成為保險市場中的一大隱患。不法分子打著“專業(yè)維權(quán)”的旗號，以非法牟利為目的，用“代理全額退?！薄熬S權(quán)退費”“保單升級”等為誘餌，通過網(wǎng)絡(luò)平臺、短信、電話營銷等方式發(fā)布“代理退保”信息，慫恿、誘導(dǎo)保險消費者委托其代為辦理退保業(yè)務(wù)，從中收取高額手續(xù)費。達到索取退保手續(xù)費或獲取其他不正當利益的目的，形成“退保黑產(chǎn)”灰色產(chǎn)業(yè)鏈。
In recent years, ?“malicious?policy surrender?by proxy” has emerged as a major risk in the insurance market.?Under the guise of “professional rights protection”,?lawbreakers?exploit consumers by promoting false incentives such as “?full refunds on surrendered policies”, “compensation recovery” or “?policy upgrades”? through online platforms, SMS and cold calls. They persuade policyholders to delegate surrender procedures to them, charging exorbitant fees and forming a ?gray industrial chain? known as “surrender fraud”.
監(jiān)管部門多次發(fā)布通知和指導(dǎo)意見，強調(diào)對非法從事保險中介業(yè)務(wù)的行為進行嚴厲打擊，并對通過欺詐手段獲取不當利益的行為依法嚴懲，維護金融市場秩序和消費者合法權(quán)益。
Regulatory authorities have repeatedly issued directives and guidelines to ?crack down on illegal insurance intermediation? and impose severe penalties for fraudulent profit-seeking activities, aiming to safeguard financial market stability and the legitimate rights and interests of consumers?.
實際案例 ?
Actual Cases ?
1. 提前收費后失聯(lián)，客戶損失慘重 ?
1.?Disappearance after Payment Caused?Heavy Losses?of Clients
李女士因經(jīng)濟壓力考慮退保時，偶然在網(wǎng)上看到一則廣告，聲稱“專業(yè)團隊可幫您全額退保，成功率99%”。她聯(lián)系了對方，并按要求支付了3000元的“服務(wù)費”，同時還提供了身份證復(fù)印件、銀行卡信息等敏感資料。然而，當李女士多次催促對方辦理退保事宜時，對方卻以各種理由拖延，最后甚至直接失聯(lián)。此時，李女士不僅沒有拿到退款，還白白損失了3000元的服務(wù)費，追悔莫及。
When Ms. Li considered surrendering her insurance policy due to financial pressure, she came across an online advertisement claiming?“professional team guarantees full refunds with 99% success rate”. After contacting the agency, she paid a “service fee”?of?3,000?yuan?and provided sensitive personal information, including her ID card copy and bank account details?. However, the agency repeatedly delayed processing her surrender request and eventually cut off all communications. Ms. Li not only failed to recover her premium but also lost the service fee, leaving her devastated?.
2. 頻繁騷擾勸退保，失去保障后悔無門 ?
2.?Constant?Harassment?for?Surrender Led to Irreversible Regret?
張先生是一名普通的上班族，某天接到自稱是“保險維權(quán)專家”的電話，對方聲稱可以幫助他全額退掉現(xiàn)有的保險，并鼓吹“這類保險根本沒有用，退掉還能省下一筆錢”。起初張先生并不相信，但對方每天不停地打電話騷擾，甚至聲稱如果不退?？赡軙媾R“巨額虧損”，不堪其擾的張先生最終決定聽從建議退保。然而，幾個月后，張先生突發(fā)重疾，醫(yī)療費用高達幾十萬元。此時，他才發(fā)現(xiàn)自己已經(jīng)失去了原有保險保障，而由于身體狀況惡化，再想購買保險已被多家公司拒保，追悔莫及。
Mr. Zhang, an ordinary office worker, received persistent calls from a self-proclaimed “insurance rights advocate” claiming to help him?“secure a full refund” for his existing policy while asserting that?“such insurance is useless” and “surrendering it saves money”. Initially skeptical, Mr. Zhang grew overwhelmed by daily harassment and false warnings of “massive financial losses” if he retained coverage?. Reluctantly, he agreed to surrender the policy.?Months later, Mr. Zhang was diagnosed with a critical illness requiring?several?hundred thousand?yuan?in medical expenses, and?then?realized his original coverage had been terminated. Due to worsened health, he was denied new policies by multiple insurance companies.
3. 個人信息泄露，銀行卡被盜刷 ?
3. Personal Information Leakage?Resulted in?Bank Card Fraud? ?
王女士為了盡快退保，輕信了某代理退保機構(gòu)的承諾，將自己的身份證、銀行卡、保險合同等信息全部提供給了對方。不久后，她發(fā)現(xiàn)自己的銀行卡賬戶異常，接連被扣款數(shù)萬元。經(jīng)銀行核查，她的個人信息已被不法分子盜用進行多筆非法交易。王女士報警后才得知，那些所謂的“代理退保機構(gòu)”根本沒有任何資質(zhì)，只是利用消費者的信任竊取信息，進而實施詐騙和盜刷行為。
In her haste to surrender an insurance policy, Ms. Wang trusted a fraudulent?“policy surrender agency” and provided her ID card, bank card details and insurance contract information?. Soon after, she noticed abnormal?bank?account?transactions, including unauthorized withdrawals totaling tens of thousands of?yuan. Bank investigations revealed?that?her personal data had been exploited for illegal transactions?. Police later confirmed?that?the “agency” was unlicensed and operated solely to steal consumer information for fraud and financial theft?.
4. 福建宣判“代理退?！倍ㄐ獭扒迷p勒索罪”
4. “Malicious?Policy?Surrender?by Proxy”?Confirmed As?“Crime of Extortion”?in Fujian
犯罪團伙通過網(wǎng)絡(luò)平臺發(fā)布“可辦理全額退?！毙畔?，謊稱擁有專業(yè)的退保團隊和法務(wù)支持，慫恿、誘導(dǎo)多名投保人委托該團伙進行代理退保，并教唆投保人以消極、對抗的方式應(yīng)對保險公司退保核查。
A criminal group advertised online, falsely claiming to have?a?professional team and legal support to secure “full insurance refunds”. They?lured policyholders into authorizing them to surrender policies, and?instructed clients to resist insurance companies’ verification processes.
同時，犯罪團伙成員再以杜撰、虛增、偽造保險公司違規(guī)行為的方式編寫投訴信，并向福建銀保監(jiān)局投訴相關(guān)保險公司，從而達到逼迫保險公司退還投保人保險金的目的。最后，犯罪團伙、代理商按照約定比例分成。犯罪團伙的惡意投訴、逼迫退保，給保險公司帶來了直接的經(jīng)濟損失，也讓投保人失去了保險保障。
At the same time, they?fabricated complaints alleging regulatory violations by insurance companies. These complaints were submitted to the ?Fujian?Supervision Bureau of China?Banking and Insurance Regulatory?Commission,??with the aim?to pressure insurance companies into refunding premiums. The group then split the illicit gains with agents based on prearranged ratios. Their malicious tactics caused direct financial losses to insurance companies and stripped policyholders of critical insurance coverage.
最終，福建省福州市連江縣人民法院判決6名涉“代理退?！焙诋a(chǎn)不法人員犯“敲詐勒索罪”，判處拘役5個月（緩期8個月）到有期徒刑3年10個月不等的刑罰，并處2000元至1萬元不等的罰金；同時，將違法所得返還保險公司。
Six members of the?group?were?convicted of ?extortion?by the ?Lianjiang County People’s Court in Fuzhou, Fujian??. Sentences ranged from?criminal??detention?of?five months (suspension?for eight months)? to ?imprisonment?of?three years and ten months, with fines of ?2,000 to 10,000?yuan?. The court also ordered the restitution of illegal proceeds to the affected insurance companies.
保險小貼士 ?
Insurance Tips ?
?提高自我保護意識，遇到問題時首先通過正規(guī)渠道尋求幫助。堅決拒絕與不明身份的第三方合作處理退保事宜，以免造成不必要的經(jīng)濟損失和個人信息安全風(fēng)險。同時，請妥善保管您的個人信息，切勿輕易提供給陌生人或不明機構(gòu)，以防被不法分子利用。
You should enhance?self-protection?awareness??and resolve?issues?through?official?channels?.?You should firmly refuse to collaborate with unidentified individuals or agencies offering “policy surrender assistance” to avoid?unnecessary economic?losses and risks to personal information security.?You should safeguard?your personal?information?properly, and never share?such information?with strangers or unverified entities?to prevent improper use by lawbreakers.
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