Recently, the Red Star Capital Bureau discovered that Guangdong Heli Enterprise Management Consulting Co., Ltd. launched a "love insurance" on the e-commerce platform.

Anyone who purchases the insurance and marries his sweetheart within 10 years after 3 years can choose one of the 4 gifts, and the price is as high as tens of thousands of yuan.

  However, Tianyancha APP shows that the company's business scope does not include financial services.

In this regard, a customer service officer of the company said in an interview with the Red Star Capital Bureau that "(this product) is not insurance."

As for what "love insurance" is, the officer did not respond directly.

  In this regard, some experts believed in an interview with the Red Star Capital Bureau that the product is a kind of "pseudo insurance", which is illegal and non-compliant.

  Red Star Capital Bureau combed and found that as early as 2018, there were exotic insurances such as "Luhan Love Insurance" and "Wang Junkai Love Insurance" on e-commerce platforms.

However, these insurance products were quickly removed from the shelves after being named by the regulatory authorities.

  The merchant said that the "love insurance" has been removed from the shelves, and the pro-test can still place an order

  On June 18, the Red Star Capital Bureau noticed on an e-commerce platform that a merchant was selling "love insurance."

Nearly a month has passed, and today, there are still businesses selling the product online.

  On July 13th, the Red Star Capital Bureau found in shops named "Mengyue Department Store's small shop", "Xianghong Department Store 0077's small shop" and other stores, "Love Insurance" has a regular version, a student discount version, etc. The price They are 299 yuan and 199 yuan respectively.

  The introduction of the product stated that after purchasing the contract, the contractor and the sweetheart can get married within 10 years after 3 years, and they can choose one of the 4 kinds of gifts, and the gift price is about 10,000 yuan.

Including 11314 gift money, 11314 roses, a diamond ring worth 10,000 yuan, and a two-person trip worth 10,000 yuan.

  However, judging from its sales, it can be described as very bleak.

The Red Star Capital Bureau noted that the monthly sales and baby evaluations of "Mengyue Department Store’s small store" are both "0", and the shop of "Xianghong Department Store 0077’s small store" is marked as "Business adjustment small shop" ".

Although the above-mentioned merchants stated that they have been removed from the shelves, as of press time, the Red Star Capital Bureau found that the product can still be ordered normally.

  Who launched "Love Insurance"

  Is it an insurance product?

  The Red Star Capital Bureau noticed that a WeChat public account named "Love Insurance" was displayed in the advertisements posted by the above-mentioned businesses.

The Red Star Capital Bureau logged into the WeChat official account on July 13 and found that the page had been stopped accessing because "after a large number of user complaints, this account has violated regulations and has been restricted from jumping to the small homepage."

  However, on June 18, when the Red Star Capital Bureau logged in, it was found that the official account could still be opened normally, and the account subject was displayed as "Guangdong Heli Enterprise Management Consulting Co., Ltd.".

According to the public, the product was once called the "Love Contract" and was affiliated to Heli Enterprise. It was launched in cooperation with major platform companies in 2016 and upgraded to the "Love Insurance" brand in 2021.

According to the official account, as long as the customer pays for the contract, they can receive contract gift boxes, paper vouchers, electronic vouchers, etc.

  To this end, the Red Star Capital Bureau conducted consultation as a consumer.

A customer service of the company once told the Red Star Capital Bureau through the WeChat official account backstage, "The product has been sold out and is being adjusted and upgraded!"

  The Tianyancha APP shows that Guangdong Heli Enterprise Management Consulting Co., Ltd., which launched the "love insurance", has a registered capital of RMB 10 million and the legal representative is Huang Jiahao.

The Red Star Capital Bureau noted that the company also applied for the trademarks of "Love Insurance" and "Love Contract" in the first half of this year.

From the perspective of the company's business scope, it includes business services, education consulting, professional design services, cultural activities services, wholesale and retail.

  Red Star Capital Bureau noted that the company's business scope does not include financial business.

According to the "Insurance Law", insurance business is operated by insurance companies established in accordance with this law and other insurance organizations prescribed by laws and administrative regulations, and other units and individuals are not allowed to operate insurance business.

  So, how can a company that is not involved in financial business sell "love insurance"?

  The Red Star Capital Bureau has called the company's phone many times, but no one has answered it.

At the same time, another customer service staff of the company once replied to the Red Star Capital Bureau through the WeChat official account backstage that "(this product) is not insurance" and that "this product has been sold out."

As for what the product is and when it will be removed, the customer service did not respond positively.

  Expert: This product is "false insurance"

  When buying insurance, you should look at the financial license

  In addition to this self-proclaimed "love insurance" product, the Red Star Capital Bureau found that in 2018, the e-commerce platform also appeared on the e-commerce platform such as "Luhan Love Insurance" and "Wang Junkai Love Insurance" and other exotic insurances.

The above insurance also attracted the attention of the China Insurance Regulatory Commission at the time, and prompted on its official website that the product was not an insurance product, did not comply with the provisions of the Insurance Law, and was not developed and sold by insurance institutions.

  Fintech expert Su Xiaorui said in an interview with the Red Star Capital Bureau that this type of "love insurance" is not insurance in the true sense, but "pseudo insurance", which actually collects "IQ tax."

Su Xiaorui reminded that such products must not be purchased.

  Su Xiaorui suggested that when buying insurance, ordinary citizens should look for formal insurance institutions with financial licenses. If they buy insurance through the Internet, they also need to pay attention to whether the Internet platform has the corresponding agent qualifications.

  Chengdu Commercial Daily-Red Star News Reporter Li Weiming and Li Chen

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