应该承认 ,绝大多数保险纠纷都是因为保险合同制定不严密或在保险合同中明显存在有可争议的问题而引起的 ,寿险保单退保中的手续费问题就是其中较突出的问题。寿险保单退保手续费标准一般由保险公司根据自身情况自行制定 ,且手续费扣除比例较其它行业明显偏高 ,办理退保手续时必然会引起客户的不满。法院在审理一般经济合同的过程中 ,都引用“企业 (商家 )没有最终的解释权” ,保险公司在此类官司中往往败诉。对此 ,保险监管部门应尽早制定相应措施 ,确保保险公司和客户利益不受损害 It should be acknowledged that the vast majority of insurance disputes are caused by the lack of tight insurance contracts or the obvious existence of controversial issues in insurance contracts. The problem of handling fees in the surrender of life insurance policies is one of the more prominent issues. Life insurance policy surrender fee generally set by insurance companies according to their own circumstances, and the deduction of the proportion of fees is obviously higher than other industries, for surrender procedures will inevitably lead to customer dissatisfaction. Courts in the process of hearing the general economic contracts, all quoted “the business (business) no final interpretation”, insurance companies often lose in such lawsuits. In response, insurance regulatory authorities should make appropriate measures as soon as possible to ensure that the interests of insurance companies and customers are not harmed