Clearly a liar.

First of all, the policy holder himself is not protected by the policy. It is the insured who enjoys the protection of the policy, and it is entirely possible that the insured and the policy holder are not the same person.

Notifying you of the death of the policy holder and collecting insurance benefits is inconsistent with the basic principles and regulations of insurance.

Secondly, there are problems with this program.

After the death of the insured, the beneficiary should apply to the insurance company for payment of insurance benefits with relevant materials.

Theoretically, the beneficiary can give up applying for insurance benefits.

In addition, commercial insurance also has a claim limitation issue. If the claim limitation period is exceeded, the beneficiary will automatically give up the claim.

Therefore, it is very, very rare for an insurance company to proactively contact the beneficiary.

Third, and most importantly, when applying for insurance, the policy holder is generally required to leave the beneficiary’s basic information, such as address, ID number, etc.

But no insurance company will ask for the beneficiary’s QQ number!

Contacting the beneficiary should also be through phone calls, letters, etc., and definitely not through QQ.

This is the most obvious problem.