In September 2016, Ms. Wu purchased a life insurance policy for herself and her husband and has been paying premiums on time. Until 2022, Ms. Wu's family was under increased financial pressure and could not afford to pay for the two policies. Therefore, she wanted to get the two insurance policies back for the time being. However, after consultation, Ms. Wu believed that the loss that she needed to bear to surrender the policy was quite large, and she could not surrender the policy in full, so she hesitated. Later, one day, when she was browsing the Internet, a small advertisement about "Ping An Insurance Online Surrender Guide" popped up on the page, driven by curiosity, Ms. Wu clicked on this small advertisement, but she did not expect this move to pull her into an "abyss". Under the guidance of ** "black intermediaries", she slowly walked into the "gentle trap" of black industry intermediaries: forging supporting materials, handing over financial account numbers and ID numbers, and paying high consulting fees......
In addition, Ms. Wu is in trouble with the "** surrender" intermediary. "* surrender" refers to the full surrender of the policy, some existing criminals through false publicity, instigating consumers to handle the surrender and promise a "full refund", during the period, criminals illegally collect consumers' personal information, guide consumers to trick insurance companies, and charge consumers high handling fees.
Believing in these "** surrender" intermediaries, consumers will encounter the following risks:
Losing the risk of normal insurance protection, after surrendering the insurance, there is no insurance protection, and consumers will bear the consequences if they are unfortunate enough to take risks;
Funds are damaged or subject to the risk of fraud, and the criminals require consumers to pay high handling fees or pay a deposit before surrendering, which cannot be recovered;
Risk of personal information leakage, criminals require consumers to provide ID cards, insurance policies, bank cards, ** and other sensitive information involving consumer privacy. Consumers' personal information may be repeatedly used by criminals to obtain benefits;
Consumers may face the risk of recalculation of waiting periods, premiums**, exclusions or even denial of insurance when re-applying for insurance in the future;
In addition, illegal complaints can also involve legal risks due to the falsification of counterfeit material.
Think twice and be cautious when surrendering. Before applying for online surrender of Ping An Insurance, it is necessary to fully understand the risks and hazards of "** surrender", be alert to the risks and hidden dangers of "** surrender", and fully consider your own needs and actual situation, and handle the surrender cautiously. In the process of handling the surrender, protect the important personal information, reasonably protect their own rights and interests, and choose formal channels for surrender. Attached is the surrender method of Ping An Insurance:
Online surrender: Ping An official website or mini program, WeChat*** and "Ping An Gold Butler" APP;
Call Ping An's direct hotline for consumer rights protection to handle the surrender of the policy.
Offline surrender: a nearby Ping An Life service outlet, or consult your insurer. If the online surrender business of Ping An Insurance cannot be completed through the above methods, then you can also apply for the participation of the regulatory authority.