Zhou Yumin's husband and wife were scammed 7.75 million yuan. The reason was ...

On August 1, the news of "Zhou Yumin's husband and wife were scammed by more than NT $ 34.47 million (about 7.75 million yuan)" rushed to the hot search.

Insurance agent "girlfriends" routine

According to media reports, insurance agent Feng Yaohua and Zhou Yumin's wife Yu Hongyuan are friends. The two signed a 6 -year savings insurance in 2018. The insured and the insured are Zhou Yumin. The two parties agreed that the insurance costs were divided into 6 issues, and the account transferred by the account under the name of Yu Hongyuan was paid, and more than 6.84 million yuan (about RMB 1.54 million) was paid each period.

But things began to develop unexpectedly.

In April and May 2019, Feng Yaohua suddenly lied that the insurance cost was too high, and it might be risk of being mistaken for money laundering. She persuaded Zhou Yumin to change the cash payment and pay it to the life insurance company on behalf of the insurance brokerage company.

Immediately after, from May to September 2021, Yu Hongyuan successively handed over the insurance costs of the second, 3rd, and 4th phases to Feng Yaohua. Feng Yaohua lied that if the insurance cost of the 5th and 6th issues was paid, more than NT $ 3.47 million (about RMB 780,000) could be obtained. As a result, Yu Hongyuan delivered the fifth and 6th expenses to Feng Yaohua.

Throughout the process, Yu Hongyuan successively delivered a total of more than NT $ 34.47 million in Feng Yaohua's premiums.

In the end, Yu Hongyuan successively received information on the insurance expenses of life insurance companies in October 2021, which found that they were deceived and reported to the police. The Taipei Procuratorate sued Feng Yaohua on August 1st this year.

"Pay premiums" risk high

It is not difficult to see that the important part of "Zhou Yumin's husband and wife" is "paying premiums".

"The key to this case is that there is a problem with the broker's premium payment process." Wang Guojun, assistant and professor of the Insurance College of the University of Foreign Economics and Trade, said, "In Mainland China, the insurance premiums are directly paid to the insurance company account. People and agents cannot collect premiums on their behalf. "

Long Ge, the co -founder and general manager of Zhongtuo Gang, believes that the most important reason for clients to be deceived or fraudulent by insurance salespersons is mostly because customers have too much trust in sales staff and ignore some basic details and precautions.

The reporter of the Bank of China Insurance noticed that the "payment fee" caused property security issues to have a precedent.

In September 2020, the referee document network had disclosed a case of insurance disputes caused by the payment premium: Yang Bo, the former insurance marketer of a life insurance company Chongqing Branch, lied from 2011 to 2014 that the company launched a high -yield wealth management for the company to give back to VIP customers Products, to deceive customer investment, and ask customers Li Shunlan and others to enter Yang Bo's own account, claiming to be the payment as their own.

In this regard, after trial of the Chongqing Senior People's Court, Yang Bo's above -mentioned behavior was crime of fraud. At the same time, the victim Li Shunlan had a certain responsibility for pursuing high interest returns to pursue high interest returns.

The "payment premiums" are prohibited by the order

In order to prevent risks and avoid disputes, "payment premiums" were banned by the financial management department.

In July of this year, the China Banking Regulatory Commission issued the "Administrative Measures for Insurance Sales Behavior (Draft for Soliciting Opinions)" (hereinafter referred to as the "Draft for Soliciting Opinions"), which clearly requested that "insurance sales staff must not accept the insurer, the insured, and the beneficiary entrusted to pay insurance Fees, paying for insurance, and insurance benefits, shall not pay the insurance premiums in the account of non -insured, the insurer, and the beneficiaries, receive the withdrawal deposit, and receive insurance benefits. "

At the same time, the "Draft for Soliciting Opinions" emphasizes that "insurance companies and insurance intermediaries should strengthen fund management and ensure customer fund security in accordance with the law" "Insurance companies should establish a fund management mechanism and strictly conduct fund collection and payment management in accordance with relevant regulations. Insurance intermediaries shall be opened Special accounts and commissions for unique customer funds and commissions. If insurance brokers receive refund and insurance benefits, they should truthfully inform customers of relevant information and sign confirmation documents. "

People in the industry also reminded the majority of insurance consumers to improve their alertness to prevent fraud.

Longge said that insurance consumers are advised to pay attention to the official WeChat service number of the insurance company or download the official app. After registering and certification, you can see the policy information under his name.

"Insurance insurance fraud requires a certain amount of insurance knowledge." Wang Guojun said that he hopes that everyone can be a smart insurance consumers.

Source: Bank of China Insurance News. The layout belongs to the original author.

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