Ms. Zhang, a customer of Ping An, wanted to surrender her insurance due to financial constraints. She searched for "how can Ping An surrender insurance be refunded in full" on the Internet, and found a **person who claimed to be able to handle full surrender according to the guidelines. Ms. Zhang had full authority to entrust ** person to handle the surrender of the policy, and paid a huge "handling fee". But the final result did not receive the "full premium" as Ms. Zhang wanted, and Ms. Zhang wanted to ask for an explanation, but found that she had already been blocked by **. Not only was the "handling fee" not recovered, but Ms. Zhang was even more worried that her personal information such as her bank card, ID card and home address had all fallen into the hands of criminals.
What Ms. Zhang encountered was a typical illegal "**surrender"**illegal "**surrender" refers to the fact that some individuals or social groups release information such as "full surrender" through online platforms, text messages, etc., for the purpose of making profits, so as to instigate and deceive consumers to entrust them with ** "full surrender", and to charge consumers high handling fees and obtain important personal information of consumers.
How can Ping An surrender insurance be refunded in full? If you believe these "** surrender" intermediaries for the so-called "full surrender", the risks are mainly as follows:
Risk of loss of normal insurance protection: After surrendering the policy, the consumer loses the insurance protection. If you are unfortunate enough to be in danger, you will have to bear the financial consequences. If you purchase insurance again in the future, you may face the risk of having your waiting period recalculated, your premium** or even being denied.
Funds may be damaged or risk of fraud: "*Surrender" intermediaries deceive consumers into paying high handling fees. After surrendering the policy, it may also trick consumers into "returning the old and investing in the new", buying so-called "low-risk and high-return" products, withholding and embezzling consumers' surrender funds, and encouraging consumers to participate in illegal fundraising, etc., to commit fraud again.
Risk of personal information leakage: There is a risk of leaking sensitive privacy information such as consumer identity, income, insurance policy, bank card, ** in the process of "surrender", and these personal information is likely to be bought and sold by criminals for profit, and even maliciously used for fraud, money laundering, illegal fundraising, online lending and other activities. What's more, some "first-class surrender" gangs collude with underworld forces, and consumers may be harassed, intimidated, and threatened.
Credit damage risk: When an individual or institution complains about a full refund, it may cause a consumer to default on a contract such as overdue loans and premium payments, resulting in a bad credit record or being included in the "blacklist", which will have a negative impact on consumers' future loans, travel, employment and employment.
Legal risk: "* surrender" individuals or institutions unscrupulous means to achieve the goal, instigating, instigating, and deceiving some consumers with weak legal awareness to fabricate reasons, fabricate evidence, and provide false information for malicious complaints, reports or false accusations, if consumers participate in relevant behaviors, it will affect the credit records of the parties, and even constitute fraud, so that consumers face greater legal risks of being sued or administratively punished.
Here, consumers are warmly reminded not to blindly believe in the "** surrender" intermediary, let alone believe in the "how can Ping An surrender insurance be fully refunded" and other unclear advertising information, cautiously handle the surrender, and at the same time protect their rights through formal channels. Insurance consumers should fully understand the function of insurance, purchase rationally, surrender insurance carefully, and pay attention to protecting personal information. If there is a dispute over rights and interests, actively negotiate with the insurance company to seek a solution; If necessary, they may reasonably protect their rights in accordance with the law through formal channels such as reporting to the regulatory authorities.