Judging from the situation in various places, black insurance intermediaries often take advantage of people's profit-seeking mentality, and promise high surrender benefits to policyholders, and make profits by charging handling fees and reselling user information.After consumers paid a high handling fee and submitted complete personal and family information as surrender materials, illegal institutions immediately changed their attitudes and even blocked consumers.The personal information submitted by consumers is often re-sold layer by layer.
On the occasion of the "7.8 National Insurance Publicity Day", focusing on protecting the rights and interests of insurance consumers, the regulatory authorities practice the mission of "supervision for the people", and local banking and insurance regulatory bureaus take the initiative to act and cooperate with various parties to crack down on "surrender blackmail" according to law. Production” activities have been carried out one after another.
A year ago, Ms. Wang purchased an insurance policy.Later, she found out that there were better protection products and wanted to surrender the insurance.However, at this time, the surrender can only refund the cash value of the policy, which is much less than the sum of the premiums you have paid.So, Ms. Wang began to pay attention to the information about the surrender agency.
In real life, there are many consumers like Ms. Wang.After purchasing insurance, they want to surrender the insurance for various reasons and do not want to suffer a certain loss of funds.But it is also such an idea that it is often easy to be used by organizations and personnel who illegally surrender insurance.
Surrenders have risen sharply
According to the investigation of the "Financial Times" reporter, in Shanghai, Guangdong Province and other places, the hidden black industry chain related to insurance surrender is rampant. In the name of "professional insurance rights protection", they promise to consumers that not only have " "Hesitation period" can be fully surrendered, even if the policy has been paid normally for several years, you can get it back with a lot of points.These criminals solicit business in the name of "agent surrender" and "agent rights protection", claiming that they can help consumers "full surrender", "solve debts" and "full interest-free", instigating or deceiving consumers to entrust them with relevant procedures. Repeated complaints and reports by compiling and distributing false news, falsifying evidence materials, etc., and making illegal profits.While crowding out normal channels and resources for complaints and rights protection, such actions also disrupt the financial market order, infringe on the legitimate rights and interests of consumers, and endanger social stability.
Relevant information shows that these black intermediaries are numerous, well-organized, and have a clear division of labor.Some key members take advantage of their familiarity with insurance sales and complaint procedures to find loopholes in malicious complaints, and even pretend to be customers' family members to "fish" for evidence.Judging from the situation in various places, black insurance intermediaries often take advantage of the profit-seeking mentality of some people, and promise high surrender benefits to policyholders, making profits by charging handling fees and reselling user information.After consumers paid a high handling fee and submitted complete personal and family information as surrender materials, illegal institutions immediately changed their attitudes and even blocked consumers.The personal information submitted by consumers is often re-sold layer by layer.
Under the operation of this rampant "black production of surrenders", the rate of abnormal surrenders in the insurance industry has risen rapidly, which not only affects the normal development of the entire industry, but also seriously damages the interests of insurance consumers.This year's "3.15 Exposure Platform" exposed the "black product surrender" case, showing that a 10,000 yuan policy surrender was taken away by a black intermediary with 4,000 yuan.In such transactions, 30% to 60% of the premium refunded by the policyholder is taken by the intermediary.
Data show that in 2021, the total surrender amount of the five major listed insurance companies will reach 159.533 billion yuan, an increase of 17.344 billion yuan or 12.2% over the same period of the previous year.The increase of surrender customers means that insurance companies have to pay more surrender funds, which directly affects the operation and development of insurance companies.The Supreme People's Procuratorate recently disclosed a typical case of "black product surrender". It shows that Xu Mouyi, the business director of an insurance company in Shanghai, and Xu Moujia and Zhu Moumou, a criminal gang of "black property surrender", occupied their positions and violated individual citizens. Information, causing insurance companies to lose more than 10 million yuan.
Are you really helping consumers?
While insurance institutions are deeply troubled by surrenders, consumers are also suffering.Are these intermediaries who are trying to help the surrender of insurance really help consumers?Obviously, not so.
The "Financial Times" reporter found in the investigation that the criminals did not sincerely help consumers to protect their rights and interests, but took the opportunity to seek illegal interests.Usually, criminals "agent rights protection" will extract 20% to 50% of the refunded amount as "service fee", and the actual income of consumers is not "full".After returning the funds, some criminals will force and induce consumers to buy other financial products and earn commissions for themselves; some will coerce consumers to participate in illegal fund-raising activities, causing consumers to lose everything; Or maliciously use sensitive information such as consumer identity information, mobile phone numbers, home addresses, financial accounts, insurance contracts, etc., to endanger consumer property or personal safety.
In such cases announced by law enforcement agencies, it can be seen that criminals mainly solicit business through platforms such as short videos and live broadcasts. In order to tempt consumers, they often create rumors and deceive people.Some claim that there are "people inside" and "special handling", and even pretend to be staff members of regulatory authorities, financial institutions or judicial organs to deceive consumers' trust.Some fictitious successful cases of "agent rights protection", attracting consumers to develop offline and earn head fees.Some have compiled and published false remarks through the self-media, organized collective petitions, and created momentum for illegal activities.Some advertise themselves as professional and reliable, but judging from the report and complaint materials received by the regulatory authorities, most of the contents are patchwork and inconsistent.
In order to remind the majority of financial consumers to avoid illegal infringement, in recent years, the China Banking and Insurance Regulatory Commission has issued several risk warnings on chaos such as "surrender of insurance by proxy", and the procuratorial organs have also focused on investigating and punishing a large number of criminals who operate "surrender of black products".In 2021, Shanghai Pudong kicked off the first battle to punish insurance "surrendered black properties". 43 defendants were sentenced, involving nearly 10 million yuan.Statistics show that from 2020 to 2021, the China Banking and Insurance Regulatory Commission and its local offices will receive a total of 114,000 and 163,000 insurance consumer complaints involving insurance companies, with year-on-year growth rates of 21% and 44%, respectively.
How can consumers protect their rights
The rampant "black product" criminals have seriously violated the legitimate rights and interests of financial consumers and disrupted the normal order of my country's financial market.In July 2021, the China Banking and Insurance Regulatory Commission issued the "Notice on the Normalization of the Banking and Insurance Industry to Carry out Anti-criminal and Evil Relevant Work", which for the first time included "misleading or inciting insurance customers to surrender their insurance abnormally" as the normalization of "anti-criminal and anti-evil". within the scope.
The "Financial Times" reporter was informed that as of May this year, the Shanghai Banking and Insurance Regulatory Bureau cooperated with the public security department to crack down on several criminal cases of "surrender of illegal properties" and arrested 96 people according to law. Normalize governance tasks.
So, what is the correct way for consumers like Ms. Wang to withdraw their insurance after purchasing insurance?
First of all, consumers should protect their identity information, communication information, family information and financial information, and do not easily disclose this information to others, or entrust others to "agent rights protection", so as to avoid personal information being illegally used, leaked or traded. Economic losses.In the event of criminals stealing or illegally using personal information, or using agents to complain and report for fraud, etc., consumers should report the case to the public security organ as soon as possible to ensure personal and property safety.
Secondly, if Ms. Wang is dissatisfied with her insurance products, she should make reasonable appeals through formal channels.You can directly negotiate with the insurance institution to resolve it. If the negotiation fails, you can organize mediation through industry dispute mediation, or report it to the financial supervision department, or file a lawsuit in the people's court.
Some insurance experts remind consumers that they need to think carefully after purchasing insurance.Insurance is a long-term plan for life. You may suffer economic losses when you surrender your insurance. You should have a full understanding of it before purchasing insurance.After you surrender the policy and then apply for the policy, the premium rate will also increase accordingly.The premium is closely related to the age of the insured, the older the insured, the more expensive the premium.Some people want to re-insure after a few years after surrendering their insurance. At this time, their age has increased, but they have to pay more premiums than a few years ago to buy the same policy, and the protection period is shortened. No matter what, it is a loss of.
