2022-05- 12 16:33:29
The "fake insurance" scam reappears in the rivers and lakes. On may 1 1, beijing business today reporter learned today that according to media reports, the criminal trial court of yingze district court in Taiyuan recently tried a fraud case of fictitious insurance project. A young man in Taiyuan knew the network anchor to brush gifts, but actually made and sold "fake insurance" and defrauded a lot of cash. According to industry insiders, consumers can't relax their vigilance when distinguishing between true and false insurance policies. If the "fake insurance policy" encounters a "real accident", it will eventually lead to economic losses.
According to reports, Taiyuan boy Xiao Zhang is an insurance salesman. Because he wanted to give the anchor Keiko a big gift and seek the opportunity to meet the anchor, Xiao Zhang came up with the idea of manufacturing and selling "fake insurance". He replaced his WeChat avatar with the trademark pattern of the insurance company, printed several QR codes for collection, and made a virtual contract, which reduced the insurance amount, increased the insurance rate, extended the insurance period, and marked "special insurance activities". Under the careful arrangement of Xiao Zhang, he earned 6.5438+0.5 million yuan at once, not only being able to give Keiko a gift lavishly, but also satisfying Keiko's "fulfilling his dream".
Why can an agent implement a scam relatively easily? Li Bin, an insurance lawyer, said that with the development of the Internet, there are various electronic payment methods for insurance premiums, which has created a "new space" for individual agents or salesmen to intercept and defraud the insured. In addition, the occurrence of insurance accidents is uncertain, which leads to individual insurance agents and salesmen defrauding and intercepting the premiums of the insured, bringing some luck and even putting them into action.
Sure enough, it is reported that the reason for the above-mentioned misconception is that when Xiao Zhang renewed the insurance for old customers, he found that these old customers did not read the contract carefully and signed it directly. At the same time, he also comforted himself: "Anyway, the insured will basically not have an accident, even if the premium is paid, it will be forgotten sooner or later."
It may not be uncommon for "fake insurance" to deceive some consumers in the process of insurance. In Li Bin's view, many insurance consumers are not familiar with insurance, insurance knowledge and insurance certificates. Many ordinary people are new to unfamiliar and "new" insurance companies, and they don't know the form of insurance policies, the contents of insurance policies, and the anti-counterfeiting measures of insurance policies themselves.
However, paper can't wrap fire after all. Some customers found that the insurance premium sold by Xiao Zhang was much lower than the market price, so they went to the insurance company to inquire, only to find that they were cheated. Finally, the court convicted Xiao Zhang of fraud and sentenced him to fixed-term imprisonment of 1 year.
In recent years, "fake insurance" has flooded. According to the incomplete statistics of today's reporters in beijing business today, from head insurance companies to small and medium-sized insurance companies, there have been cases in which agents made fake insurance policies, and some of them even involved as much as 10 million yuan. Nowadays, with the continuous expansion of the pilot scope of wealth management products for the elderly, some lawless elements take advantage of the weak awareness of the elderly to confuse the audience through fictional wealth management projects and swindle and collect money. A case recently issued by the People's Court of Qilin District, Qujing City shows that the defendant Yang was a salesman of an insurance company. After gaining the trust of a customer, it was not long before he invented that the insurance company he worked for had a "high interest and zero risk" deposit wealth management insurance, and defrauded the above-mentioned customer of 20,000 yuan in cash. Due to the delay in seeing the income, the above customers reported the case to the public security organ.
Because illegal commercial insurance cases occur from time to time, the supervision has repeatedly called on consumers to strengthen their risk awareness. For example, the Beijing Insurance Regulatory Bureau once reminded insurance consumers that when purchasing insurance products, they should not only obtain insurance through legal channels such as holding practitioners' practice certificates, but also be vigilant against suspicious institutions or individuals. They can call the national unified customer service telephone number of insurance companies to inquire about relevant qualifications and verify the situation of business entities.
Obviously, if you want to buy formal insurance, policy verification is essential. As for how to identify the authenticity of insurance, Xu, a senior actuary, said that the simplest and most effective way to detect fake insurance is to directly find the insurance company for confirmation. Confirmation methods include, but are not limited to, the customer service phone number of the insurance company starting with "9500" or "400", and you can also log in to official website or follow the official WeChat account to verify the authenticity of the policy.
Then, how can insurance consumers establish a sense of prevention against the deceptive routines that cannot be prevented, and do not give fraudsters an opportunity? Xu suggested that insurance consumers should first understand the name of insurance products and underwriting institutions. For example, some fancy insurance products should be inquired through the official hotline of the underwriting insurance company. Second, when paying insurance premiums, they are generally paid to insurance companies or corresponding insurance brokerage companies through bank cards or WeChat, and cannot be transferred to individuals or other institutions without the words "insurance company" or "insurance brokerage company". Third, after the insurance is completed, you should ask for the voucher in time, and pay more attention to the voucher in the database of electronic certificate or insurance company, not the paper voucher given by the salesman.
In order to avoid the reappearance of "fake insurance", Yu Xu
Fake insurance "scam reappears in the rivers and lakes! Insurance salesman fictional fictional insurance project fraud
2022-05- 12 16:33:29
The "fake insurance" scam reappears in the rivers and lakes. On may 1 1, beijing business today reporter learned today that according to media reports, the criminal trial court of yingze district court in Taiyuan recently tried a fraud case of fictitious insurance project. A young man in Taiyuan knew the network anchor to brush gifts, but actually made and sold "fake insurance" and defrauded a lot of cash. According to industry insiders, consumers can't relax their vigilance when distinguishing between true and false insurance policies. If the "fake insurance policy" encounters a "real accident", it will eventually lead to economic losses.
According to reports, Taiyuan boy Xiao Zhang is an insurance salesman. Because he wanted to give the anchor Keiko a big gift and seek the opportunity to meet the anchor, Xiao Zhang came up with the idea of manufacturing and selling "fake insurance". He replaced his WeChat avatar with the trademark pattern of the insurance company, printed several QR codes for collection, and made a virtual contract, which reduced the insurance amount, increased the insurance rate, extended the insurance period, and marked "special insurance activities". Under the careful arrangement of Xiao Zhang, he earned 6.5438+0.5 million yuan at once, not only being able to give Keiko a gift lavishly, but also satisfying Keiko's "fulfilling his dream".
Why can an agent implement a scam relatively easily? Li Bin, an insurance lawyer, said that with the development of the Internet, there are various electronic payment methods for insurance premiums, which has created a "new space" for individual agents or salesmen to intercept and defraud the insured. In addition, the occurrence of insurance accidents is uncertain, which leads to individual insurance agents and salesmen defrauding and intercepting the premiums of the insured, bringing some luck and even putting them into action.
Sure enough, it is reported that the reason for the above-mentioned misconception is that when Xiao Zhang renewed the insurance for old customers, he found that these old customers did not read the contract carefully and signed it directly. At the same time, he also comforted himself: "Anyway, the insured will basically not have an accident, even if the premium is paid, it will be forgotten sooner or later."
It may not be uncommon for "fake insurance" to deceive some consumers in the process of insurance. In Li Bin's view, many insurance consumers are not familiar with insurance, insurance knowledge and insurance certificates. Many ordinary people are new to unfamiliar and "new" insurance companies, and they don't know the form of insurance policies, the contents of insurance policies, and the anti-counterfeiting measures of insurance policies themselves.
However, paper can't wrap fire after all. Some customers found that the insurance premium sold by Xiao Zhang was much lower than the market price, so they went to the insurance company to inquire, only to find that they were cheated. Finally, the court convicted Xiao Zhang of fraud and sentenced him to fixed-term imprisonment of 1 year.
In recent years, "fake insurance" has flooded. According to the incomplete statistics of today's reporters in beijing business today, from head insurance companies to small and medium-sized insurance companies, there have been cases in which agents made fake insurance policies, and some of them even involved as much as 10 million yuan. Nowadays, with the continuous expansion of the pilot scope of wealth management products for the elderly, some lawless elements take advantage of the weak awareness of the elderly to confuse the audience through fictional wealth management projects and swindle and collect money. A case recently issued by the People's Court of Qilin District, Qujing City shows that the defendant Yang was a salesman of an insurance company. After gaining the trust of a customer, it was not long before he invented that the insurance company he worked for had a "high interest and zero risk" deposit wealth management insurance, and defrauded the above-mentioned customer of 20,000 yuan in cash. Due to the delay in seeing the income, the above customers reported the case to the public security organ.
Because illegal commercial insurance cases occur from time to time, the supervision has repeatedly called on consumers to strengthen their risk awareness. For example, the Beijing Insurance Regulatory Bureau once reminded insurance consumers that when purchasing insurance products, they should not only obtain insurance through legal channels such as holding practitioners' practice certificates, but also be vigilant against suspicious institutions or individuals. They can call the national unified customer service telephone number of insurance companies to inquire about relevant qualifications and verify the situation of business entities.
Obviously, if you want to buy formal insurance, policy verification is essential. As for how to identify the authenticity of insurance, Xu, a senior actuary, said that the simplest and most effective way to detect fake insurance is to directly find the insurance company for confirmation. Confirmation methods include, but are not limited to, the customer service phone number of the insurance company starting with "9500" or "400", and you can also log in to official website or follow the official WeChat account to verify the authenticity of the policy.
Then, how can insurance consumers establish a sense of prevention against the deceptive routines that cannot be prevented, and do not give fraudsters an opportunity? Xu suggested that insurance consumers should first understand the name of insurance products and underwriting institutions. For example, some fancy insurance products should be inquired through the official hotline of the underwriting insurance company. Second, when paying insurance premiums, they are generally paid to insurance companies or corresponding insurance brokerage companies through bank cards or WeChat, and cannot be transferred to individuals or other institutions without the words "insurance company" or "insurance brokerage company". Third, after the insurance is completed, you should ask for the voucher in time, and pay more attention to the voucher in the database of electronic certificate or insurance company, not the paper voucher given by the salesman.
In order to avoid the reappearance of "fake insurance", Yu Xu