Since October last year, Beijing has received a number of reports of insurance fraud for middle-aged and elderly people. The police were deceived by the other party of the insurance money on the grounds of handling business after receiving the ** claim that the policy could be upgraded.
Mr. Zhai, 70 years old this year, lives in Beijing and received a ** from a customer service staff of an insurance company. The other party told Mr. Zhai that the policy he had purchased before could now be upgraded, but he had to come to the company to handle it in person.
When Mr. Zhai came to the company, the company's employees told Mr. Zhai that there was now an insurance product with higher yields that could help him transfer to a new product, and then took Mr. Zhai's mobile phone to operate.
A few days later, Mr. Zhai found that his policy had not been upgraded, but had been loaned out of the policy, and Mr. Zhai was inexplicably saddled with a loan of 100,000 yuan.
Ms. Liu, who lives in Tianjin, and her wife also suffered a similar situation. After receiving the company's **, they rushed to the company's location from Tianjin to handle the policy upgrade business.
Ms. Liu said that the company's employees also completed the so-called policy upgrade by assisting Ms. Liu in operating her mobile phone, and later found that the money in her bank card was less than 50,000 yuan.
Targets of criminal gangs.
Most of them are middle-aged and elderly people over 50 years old.
*After contacting the official customer service of the insurance company, it was learned that the company involved in the case did not belong to the official after-sales service and did not have the qualification to handle insurance business. How do they target their victims?
According to a briefing by the police of the Criminal Investigation Corps of the Beijing Municipal Public Security Bureau, the members of these criminal gangs used illegally obtained victim information, mainly insurance policy information and ID numbers, to impersonate the after-sales service departments of regular insurance companies, and invited these victims to their offices and tricked the victims into handling the financial management business of the fictitious insurance company under various pretexts, such as handling policy dividends and rebates or that the insurance policy was wrong.
After the incident, ** visited more than 30 victims one by one, and found that most of the victims were middle-aged and elderly people over 50 years old, and they were not very familiar with the insurance business procedures and the use of smart phones.
The criminal gang took the victim's mobile phone into their own hands to carry out some operations, and then transferred the money from the surrender or pledge of the operation policy to the company's account by swiping the card of the POS machine.
There are four categories of criminal gangs.
A clear division of labor to commit fraud.
After more than half a month of squatting, ** locked up 3 fraud insurance gangs, and on December 19, 2023, 3 criminal gangs were arrested in 10 places in 5 provinces including Chaoyang District, Beijing and Dali City, Yunnan Province. **Through the investigation, it was found that the gang involved in the case was mainly divided into four categories of personnel, and each had a clear division of labor.
These gangs that defraud the elderly of insurance money are divided into four types of personnel: outbound callers, salesmen, store managers, and bosses. The outbound call is responsible for impersonating the insurance company** to contact the victim; The salesman is responsible for receiving the victim to trick the victim into transferring the insurance money to the company's account on the grounds of receiving subsidies for policy upgrades; The store manager is responsible for handling the victim's complaints; The boss is responsible for financing the lease of office space and sharing the stolen money.
At present, 28 suspects including Li have been criminally detained on suspicion of fraud. Further investigation is ongoing.
Beware of pension fraud "** surrender" trap.
This type of fraud is a typical pension fraud "**surrender" trap. After fraudsters illegally obtain the victim's insurance policy information, they use words to trick the victim into handling the so-called "policy upgrade" and other businesses, and take advantage of the fact that some middle-aged and elderly people are not familiar with the insurance business procedures and the use of smart phones, and encourage the elderly to surrender the insurance and buy the so-called "high-yield" financial products by slandering insurance products and promising higher returns. After the elderly fall into the trap, the criminals not only charge a high amount of "** rights protection" fees, but even embezzle the surrender funds of the elderly, and the elderly and their families should pay special attention to prevention.
How to prevent it.
First of all, don't be gullible when you receive a stranger**, and verify the situation with the insurance company as soon as possible.
Secondly, be vigilant when you meet next time and don't let strangers operate your phone. Finally, if you find that you have been deceived, you should call the police on 110 as soon as possible.
Please send this post to your parents and this group as soon as possible.
*: CCTV News.