... insurance intermediaries IA (01/2022) - 2 - *Please delete where appropriate Complainant’s details Name: (Mr/Mrs/Ms/Miss*) (If you are a company or you wish to appoint a person to handle your complaint, you and the authorized person need to complete and sign Section VIII below) Correspondence address: Email...

... customers have taken up the top-up option. Q2 Referring to paragraph 4.2 of the Guideline, please clarify if there is any minimum requirement to classify a product as having refundable feature. For example, does a product refunding 30% (or even smaller) of total premium paid fall into the scope? 2 A2...

... insurance intermediaries IA (01/2022) - 2 - *Please delete where appropriate Complainant’s details Name: (Mr/Mrs/Ms/Miss*) (If you are a company or you wish to appoint a person to handle your complaint, you and the authorized person need to complete and sign Section VIII below) Correspondence address: Email...

... customers have taken up the top-up option. Q2 Referring to paragraph 4.2 of the Guideline, please clarify if there is any minimum requirement to classify a product as having refundable feature. For example, does a product refunding 30% (or even smaller) of total premium paid fall into the scope? 2 A2...

...  insurers  for  accumulation  with  non‐guaranteed interest rate.    In this connection, projection under optimistic and  pessimistic scenarios for non‐guaranteed element are required.    Q  2.   For policies with policy  loan  facility, should policy  loan projection be  included  in  the illustration?  A...

... as outsourcing. Q2 If a property management company is engaged to provide leasing and maintenance services for an authorized insurer’s investment properties, would such services be regarded as outsourcing? A2 Such service is regarded as portfolio management and falls under “investment management” in...