...(s) of income, your expected coverage and premium payment period, etc. Through this analysis, you can assess your protection needs in the following areas: Financial protection Health care needs Regular income Savings Investment...

... Assured / Protection Amount [F] [Initial] [M/Q/SA/A] Premium Premium Payment Term Benefit Term Basic Plan Supplementary Benefits eg. Accidental Death Benefit Double Indemnity Hospital Income [G] Total [Initial] [M/Q/SA/A] Premium: ======== 1 Name of Applicant: ___________________ Signature...

... development of this set of Regulations is in response to the landmark judgment of the Hobbins case in early 2012, that the Confederation has sought legal advice on the appropriate course of action. Professional Insurance Brokers Association (“PIBA”) and the Hong Kong Federation of Insurers (“HKFI”) have taken...

... not be excessive relative to the amount of  premium payable for that product.    4. Effective Date    4.1. This Guidance Note applies with effect from 1 January 2012.    4.2. This  Guidance  Note  does  not  apply  to  gifts  offered  or  bonus  or  incentive  schemes  in  operation before 1 January...

... practice x AML Risk ≠ UnderwriDng Risk � Calculate total premium on a per policyholder basis and a per payor basis to determine whether income/asset proof is required Customer Acceptance � Risk scoring system built in to facilitate automatic calculation of AML risk scores of customers Ongoing Monitoring x...

... practice x AML Risk ≠ UnderwriDng Risk � Calculate total premium on a per policyholder basis and a per payor basis to determine whether income/asset proof is required Customer Acceptance � Risk scoring system built in to facilitate automatic calculation of AML risk scores of customers Ongoing Monitoring x...

... practice x AML Risk ≠ UnderwriDng Risk � Calculate total premium on a per policyholder basis and a per payor basis to determine whether income/asset proof is required Customer Acceptance � Risk scoring system built in to facilitate automatic calculation of AML risk scores of customers Ongoing Monitoring x...

... Policyholder B Policyholder C Policyholder D 9 Non-financial Transactions Policy level – Policyholder level 10 10 Non-financial Transactions Frequent change of beneficiary 11 Frequent change of address 11 Financial Transactions 12 12 Money In – Money Out Financial Transactions 13 13 Inflow – premium / loan...

... Policyholder B Policyholder C Policyholder D 9 Non-financial Transactions Policy level – Policyholder level 10 10 Non-financial Transactions Frequent change of beneficiary 11 Frequent change of address 11 Financial Transactions 12 12 Money In – Money Out Financial Transactions 13 13 Inflow – premium / loan...

... Policyholder B Policyholder C Policyholder D 9 Non-financial Transactions Policy level – Policyholder level 10 10 Non-financial Transactions Frequent change of beneficiary 11 Frequent change of address 11 Financial Transactions 12 12 Money In – Money Out Financial Transactions 13 13 Inflow – premium / loan...