In recent years, some organizations or individuals have pretended to be financial institutions, insurance staff, etc., in the name of "having internal resources", etc., through **, online publicity can handle full surrender. After defrauding consumers of trust and entrustment, under the guise of "protecting rights and teaching you how to return Ping An Insurance", malicious complaints were made by fabricating facts and providing false information, so as to achieve the purpose of surrendering the insurance and asking for handling fees. At the same time, it also tricks insurance consumers to return the old and buy the new, and take a commission on insurance sales.
*Surrender" individuals or institutions may cause contract defaults such as overdue consumer loans and premium interruptions when they complain about full refunds, resulting in bad credit records or being included in the "blacklist", which will have a negative impact on consumers' future loans, travel, employment and employment.
In 2018, Ms. Fei, a customer of Ping An, took out a Ping An critical illness insurance policy with an insured amount of 200,000 yuan. In April 2023, a person who claimed to be a "professional financial manager" provided a free policy explanation service of "teaching you how to return Ping An Insurance" to people in the community, saying that Miss Fei's policy premium is high, the sum insured is low, and the normal surrender amount is also very low, and many customers who have insured this type of insurance have surrendered through their agents, and they can refund a lot more money than surrendering the insurance themselves, and they only charge 500-1000 yuan "hardship fee", and issued a financial plan with an annual yield of up to 10% to Miss Fei. It is suggested that Miss Fei, like other residents in the community, should return her insurance policy to invest in so-called high-yield wealth management products.
Miss Fei was very moved when she heard this, but she was still not at ease, so she made a special trip to Ping An Insurance to complain** to confirm the policy situation. After investigation, Ms. Fei purchased a 10-year life-long critical illness insurance, and the premium was paid soon. After investigation, it was learned that the "professional financial manager" in the case was actually the black industry of "** surrender", using Miss Fei's ignorance of the insurance contract and profit-seeking psychology to induce Miss Fei to entrust her to surrender the insurance policy, and the surrender amount to purchase the so-called high-yield wealth management products recommended by her, so as to achieve the purpose of charging high ** fees and commissions for new products.
*Surrender directly leads to losses such as loss of high protection, high surrender costs, and only the return of cash value, and even a series of risks such as illegal fundraising traps and leakage of personal information. Insurance consumers need to fully assess their insurance needs and financial payment ability, and apply for and surrender insurance policies rationally. **It is not advisable for an intermediary to attempt to "surrender the policy in full" through illegal means, and there is a risk of violating the law if it fabricates facts, fabricates reasons, or even falsifies evidence in order to achieve the purpose of surrender.
So how to return Ping An insurance and how to protect your legitimate rights and interests from infringement? The first is to fully consider your own insurance needs and handle the surrender carefully. The main function of insurance products is to provide risk protection, which varies from product to product, and you should carefully weigh whether it is necessary to terminate the insurance contract according to your own risk protection needs. The second is to pay attention to the protection of important personal information. Insurance policies are important financial documents, containing important personal information, you should not easily transfer important documents such as bank cards, ID cards, insurance contracts to others, so as not to be illegally used and suffer losses. The third is to reasonably protect rights in accordance with the law through formal channels. Insurance consumers should apply for or surrender insurance policies through formal channels and in accordance with the formal process in good faith.