---
title: "Crackdown on illegal \"proxy policy surrender\" black industry: Cigna & CMC multi-pronged efforts to protect consumer rights"
type: "Topics"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/topics/39241732.md"
description: "In recent years, financial illicit activities represented by &#34;agent-induced policy surrender&#34; have severely disrupted market order and infringed upon the legitimate rights and interests of consumers. To resolutely curb this chaos, under the guidance and support of the National Financial Regulatory Administration and local regulatory bureaus, Cigna &amp; CMC Life Insurance Co., Ltd. (hereinafter referred to as &#34;Cigna &amp; CMC&#34;) has taken proactive measures. Since 2023, it has systematically deployed and deeply advanced a special campaign to crack down on illegal &#34;agent-induced policy surrender&#34; illicit activities. Through multi-dimensional measures such as establishing cross-departmental coordination mechanisms, leveraging technology to empower intelligence analysis, and innovating clue discovery models, the company's anti-illicit activities work has achieved significant phased results..."
datetime: "2026-03-13T06:43:10.000Z"
locales:
  - [en](https://longbridge.com/en/topics/39241732.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/39241732.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/39241732.md)
author: "[财见caijian](https://longbridge.com/zh-CN/profiles/13190262.md)"
---

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# Crackdown on illegal "proxy policy surrender" black industry: Cigna & CMC multi-pronged efforts to protect consumer rights

In recent years, financial black industry activities represented by "proxy policy surrender" have severely disrupted market order and infringed upon the legitimate rights and interests of consumers. To resolutely curb this chaos, under the guidance and support of the National Financial Regulatory Administration and local regulatory bureaus, Cigna & CMC Life Insurance Co., Ltd. (hereinafter referred to as "Cigna & CMC") has taken proactive measures. Since 2023, it has systematically deployed and deeply advanced a special campaign to crack down on the illegal "proxy policy surrender" black industry. Through multi-dimensional measures such as establishing a cross-departmental coordination mechanism, leveraging technology to empower intelligence analysis, and innovating clue discovery models, the company has achieved significant phased results in its anti-black industry efforts, gaining widespread attention and recognition from regulators, industry peers, and the media.

**Systematic Operations, Forming a National Crackdown Force**

Facing the cross-regional and covert nature of black industry activities, Cigna & CMC established a special working group for information security and combating proxy policy surrender in 2023 under the guidance of the Shenzhen Regulatory Bureau. This working group brings together the company's core strengths, covering multiple dimensions such as information technology, consumer rights protection, customer service, legal compliance, and audit. It established a nationwide integrated operational model of "headquarters-branches collaborative implementation," ensuring smooth instructions and efficient actions, achieving overall coordination and optimal resource allocation for the crackdown work.

**Technology-Driven, Building a Solid Foundation for Data Defense and Analysis**

To accurately identify and track black industry behavior, Cigna & CMC independently developed and deployed a black industry information registration and analysis system. This system integrates functions such as form-based information registration, structured storage, multi-dimensional queries, and intelligent analysis. Through the comparison and mining of massive data, it effectively outputs key clues and risk profiles, providing solid data support and an evidence chain for subsequent in-depth clue investigation and judicial case filing, significantly improving the precision and efficiency of the crackdown.

**Dual-Pronged Approach of "Incentives + Face-to-Face Visits," Penetrating to Uncover Core Evidence**

At the level of clue acquisition, Cigna & CMC adopted a "two-pronged" strategy. On one hand, it established a special whistleblower reward mechanism, widely mobilizing internal and external forces to collect information and actively obtaining key evidence through incentive policies. On the other hand, it formed a professional "face-to-face visit team" to proactively visit customers suspected of being coerced by the black industry, conducting policy advocacy and evidence fixation. Since April 2024, Cigna & CMC has cumulatively visited over 2,000 customers, with a significant proportion successfully uncovering and confirming black industry clues. Particularly among complaint customers not directly received by the company, the identification rate of black industry-related clues exceeded 70%, proving the effectiveness of this model.

**Crackdown Achievements Widely Praised, Promoting Industry Co-governance**

Through a series of combined efforts, Cigna & CMC's work in combating the black industry has achieved substantive breakthroughs. Since 2023, the company has cumulatively assisted public security organs in successfully filing 10 cases and dismantled over ten illegal "proxy policy surrender" black industry dens, effectively deterring illegal and criminal activities.

Cigna & CMC's efforts and achievements have been highly praised by regulatory departments and the industry. Relevant practical cases were published by the National Financial Regulatory Administration and selected as typical cases for thematic education by the Shenzhen Regulatory Bureau; the Enshi Prefecture Regulatory Sub-bureau specially sent a letter of thanks, commending the company's outstanding contribution to the local special campaign. Furthermore, at the invitation of industry associations and authoritative media from Guangdong, Zhejiang, Anhui, and other regions, Cigna & CMC has repeatedly shared its experience in case filing and crackdown with industry peers, promoting the enhancement of the industry's co-governance capabilities.

Cigna & CMC stated that protecting consumers' legitimate rights and interests and maintaining a clear financial market environment are its unshirkable responsibilities. In the future, the company will continue to adhere to a "customer-centric" approach, deepen technology empowerment, strengthen cross-institutional and cross-industry collaboration, maintain a high-pressure crackdown posture against black industry activities, while continuously improving service quality and sales suitability management, resolving risks at the source, earnestly fulfilling the social responsibilities of a financial institution, and contributing to the construction of a harmonious and stable financial consumption environment.