Television Guidance: When the insurance policy expires, collect the premium. Be sure not to lose the procedures, or it will be hard to handle. Synchronous Sound: Later, I went to report the loss. Unexpectedly, during the reporting period, someone else took my premium. Synchronous Sound: Later, I found that my money was taken by someone else. Is it a proxy collection or deception? For more information on rights protection, please stay tuned for "Where did my insurance principal go?"
[Verbal Introduction 1] Talking about insurance, you should not be unfamiliar with it. Insurance is an economic relationship established in the form of a contract, using the insurance fund built by paying premiums to provide economic compensation or payment for economic losses within the scope specified in the insurance contract. This is a kind of economic form. In fact, buying insurance is to buy future security for yourself. Nowadays, more and more people choose insurance as one of their financial management methods. Zhang Kuangming from Dongfang Village, Qinfeng Town, Jianhu County, bought insurance for himself. However, when it came time to collect the premium at the end of the subscription period, an inexplicable strange incident occurred.
[Voiceover] Zhang Kuangming, a resident of Group Four, Dongfang Village, Qinfeng Town, Jianhu County, is a genuine farmer who usually supports his family with a few acres of farmland. His life is pretty ordinary. One day in January 2008, Old Zhang received a call from the insurance company, notifying him to go to the insurance company as soon as possible to collect the principal of ten thousand yuan insurance he had handled five years ago.
[Synchronous Sound]: Villager Zhang Kuangming from Qinfeng Town, Jianhu County (At the time I received the call, I couldn't remember having invested in insurance, and I thought someone was trying to deceive me.)
[Voiceover] Old Zhang thought this was strange, so he recalled carefully. Old Zhang remembered that five years ago, he had handled a business of ten thousand yuan at the Qinfeng Credit Union in Jianhu County, which might have been buying insurance at that time. Subsequently, Old Zhang started looking for the receipt he had retained at home, but after searching several times, he could not find any receipts. Seeing that the receipt was lost, Old Zhang contacted the insurance company's agent.
[Synchronous Sound] Villager Zhang Kuangming from Qinfeng Town, Jianhu County: I searched at home for a long time but couldn't find it. Then I called the agent and told him I lost all my documents. He said it's okay, we can report the loss, and he helped me with the loss reporting.
[Voiceover] Hearing that loss reporting procedures could be handled, Old Zhang went to the insurance company the next day.
[Synchronous Sound] Villager Zhang Kuangming from Qinfeng Town, Jianhu County: A person named Tao Yong helped me handle the loss reporting procedures, and I signed the document.
[Host 2] According to the regulations of the insurance company, after the policy is reported lost, within seven working days, after verification, the insurance principal can be returned to the insured. Old Zhang thought that since the procedures were done, he would come back to collect the money after seven days. At the time, it coincided with the Spring Festival, so the matter was postponed. But this delay led to changes later on.
[Synchronous Sound] Villager Zhang Kuangming from Qinfeng Town, Jianhu County: I called the insurance company, and they checked and said that your money had already been taken away by someone else.
[Voiceover] Upon hearing this news, Old Zhang was immediately stunned. How could his good insurance premium be taken away by someone else?
[Voiceover] Now Zhang Kuangming wants to collect the premium, but he cannot get the money. What exactly happened? With these questions, our rights protection reporter went to the branch of China Life Insurance where Zhang Kuangming originally subscribed to understand the situation.
Synchronous Sound: Manager Pan from the Customer Service Department of a certain branch of China Life Insurance (The insurance money was collected by Zhang Zhaohua on behalf of Zhang Kuangming. She brought Old Zhang's ID card, power of attorney, and guarantee letter, so we gave her the money.)
[Voiceover]: Who is this Zhang Zhaohua? What is her relationship with Old Zhang? Did Old Zhang know about her collecting the premium on his behalf?
[Synchronous Sound] Villager Zhang Kuangming from Qinfeng Town, Jianhu County: I don't even know her, and I didn't receive any money.
[Voiceover] According to Old Zhang's recollection afterward, this matter might be related to a familiar person from his village, Jiang Guangru. Because the day after Old Zhang reported the loss of the policy, Jiang Guangru came to Old Zhang's house and asked to borrow his ID card. Out of respect for being acquaintances, Old Zhang lent his ID card to Jiang Guangru. Then Jiang Guangru asked Old Zhang to write a certificate. Without much thought, Old Zhang wrote the certificate according to Jiang Guangru's request.
[Synchronous Sound] Villager Zhang Kuangming from Qinfeng Town, Jianhu County: The ID card was borrowed by Jiang Guangru, and I didn't know why he needed it. The certificate was written by Jiang Guangru asking me to do it. The power of attorney was not signed by me; I haven't seen the power of attorney. At the time, I didn't know what he wanted to use the ID card for. If I had known, I wouldn't have lent it to him.
[Voiceover] Thinking of this, Old Zhang immediately realized whose hands the money had fallen into.
[Synchronous Sound] Villager Zhang Kuangming from Qinfeng Town, Jianhu County: The money is now with Jiang Guangru. We asked him for the money, but he said the money belongs to him.
[Voiceover] Is this money really taken by Jiang Guangru? And what are his reasons for taking this money? The reporter conducted a telephone interview with Jiang Guangru.
[Telephone Interview] Jiang Guangru: Yes, I took the money. This money was originally mine, and I paid for the insurance policy.
[Voiceover] Since this money was paid by Jiang Guangru, why is the name on the policy Zhang Kuangming's? Jiang Guangru provided such an explanation.
[Telephone Interview] This was done using Zhang Kuangming's ID card that I borrowed.
[Host 3] Now things are clear. The insurance principal was collected by a person named Jiang Guangru through the assistance of the insurance company's staff member Zhang Zhaohua. Currently, this insurance principal is in Jiang Guangru's possession. Jiang Guangru's reason for collecting the money is that initially, he paid for this insurance, so the money should belong to him. But how did Jiang Guangru manage to get this money?
[Voiceover] To prove that they followed regular procedures when giving this money to Zhang Zhaohua, the insurance company presented Old Zhang's power of attorney and the certificate he wrote to the reporter. After carefully reviewing these two documents, the reporter discovered a problem. The signature of Zhang Kuangming on the power of attorney and the certificate were completely different.
Reporter: This power of attorney was not written by the person himself. Didn't our insurance company confirm before letting her take the money?
Manager Pan from the Customer Service Department of a certain branch of China Life Insurance: He had a power of attorney and an ID card, so we could give him the principal.
[Voiceover] Understanding this situation, Old Zhang and his family became even angrier.
[Synchronous Sound] Son of Villager Zhang Kuangming from Qinfeng Town, Jianhu County: I asked, aren't your insurance companies responsible? I placed my money here, and you gave it to someone else. Don't you need to take responsibility?
[Host 4] By now, everyone should have a rough understanding of the course of events. Of course, there are still some doubts. Is it reasonable for the insurance company to act this way? Should the insurance company be held responsible for this matter as claimed by Old Zhang's family? Let's consult today's on-duty lawyer.
[Synchronous Sound: On-Duty Lawyer]
[Host 5] What obligations does the insurance company have regarding the management of its customers' principal?
[Synchronous Sound: On-Duty Lawyer]
[Host 6] In this matter, does Old Zhang bear any fault for privately lending out his ID card?
[Synchronous Sound: On-Duty Lawyer]
[Host 7] Thank you, Lawyer.
[Voiceover] Under the coordination of our rights protection reporter, the insurance company also expressed that they would handle this matter as soon as possible and give the insured an explanation.
[Synchronous Sound] Insurance Company: Currently, we have started to recover this money and will give them a satisfactory response after investigation.
Editorial Note 8: Regardless of who is right or wrong in this matter, we hope that the insurance company can quickly investigate and properly handle the follow-up matters. As an insurance company, it should further improve various rules and regulations such as insurance application review and principal return, ensuring that implementation details are reasonable and evidence-based, following established procedures. After problems occur, a more proactive attitude should be adopted to solve them. Only in this way can the interests of insured individuals be better protected from illegal infringement. Additionally, our program would like to remind viewers that an ID card represents a person's identity and has legal effect. Unauthorized renting, lending, or transferring of ID cards are illegal acts, and corresponding legal responsibilities should be borne.