... individuals turn their accumulated savings into a stable stream of income over a certain period of time, allowing them to spend their retirement savings in a disciplined way to deal with longevity risk. There are many variants of annuities. A deferred annuity is one of them. A deferred annuity...

..., ultimately, lesser burden on society. Insurers, insuring public, intermediaries, consumers, regulators and governments should all come out as winners. For Hong Kong, it could help to redress the imbalance towards endowments and investment- linked products by offering a convenient way to procure simple and...

... Ordinance, the IA must not exercise a power under section 81 to impose a pecuniary penalty unless it has had regard to this Guideline which indicates the way in which it proposes to exercise that power. 1.4. This Guideline does not have the force of law and should not be interpreted in a way that would...

..., ultimately, lesser burden on society. Insurers, insuring public, intermediaries, consumers, regulators and governments should all come out as winners. For Hong Kong, it could help to redress the imbalance towards endowments and investment- linked products by offering a convenient way to procure simple and...

... Ordinance, the IA must not exercise a power under section 81 to impose a pecuniary penalty unless it has had regard to this Guideline which indicates the way in which it proposes to exercise that power. 1.4. This Guideline does not have the force of law and should not be interpreted in a way that would...

... Ordinance, the IA must not exercise a power under section 81 to impose a pecuniary penalty unless it has had regard to this Guideline which indicates the way in which it proposes to exercise that power. 1.4. This Guideline does not have the force of law and should not be interpreted in a way that would...

..., ultimately, lesser burden on society. Insurers, insuring public, intermediaries, consumers, regulators and governments should all come out as winners. For Hong Kong, it could help to redress the imbalance towards endowments and investment- linked products by offering a convenient way to procure simple and...

... Ordinance, the IA must not exercise a power under section 81 to impose a pecuniary penalty unless it has had regard to this Guideline which indicates the way in which it proposes to exercise that power. 1.4. This Guideline does not have the force of law and should not be interpreted in a way that would...

... Ordinance, the IA must not exercise a power under section 81 to impose a pecuniary penalty unless it has had regard to this Guideline which indicates the way in which it proposes to exercise that power. 1.4. This Guideline does not have the force of law and should not be interpreted in a way that would...

..., demonstrated through the way the interact with clients. Culture drives a company’s reputation for trust. A weak culture creates conditions for ethical fading. A strong culture provides a platform for ethical flourishing and a reputation for trust. How to build a strong culture (1) 10  Set the right “tone from...