... & Liability 2008 2017 Personal Accident and Health business was the outperformer Market Overview General Business – Underwriting Performance 60.0% 70.0% 80.0% 90.0% 100.0% 110.0% 120.0% 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Combined ratio Combined ratio (%) Accident and Health General liability...

... immediatechanges in shareholder controller iscontrollers to whom section 13B applies are subject to IA’s prior approval under s.13Bno objection) (Form A/B in Schedule 5) X (Note: changes in controllershareholder controllers (other than a controller to whomwhere section 13B applies) are subject to notification...

... approval is required for appointment of controllers as defined under section 13A(12)(a)(ii)) (Form A in Schedule 4) Shareholder controller  (Note: changes in shareholder controllers to whom section 13B applies are subject to IA’s no objection) (Form A/B in Schedule 5) X (Note: changes in shareholder...

..., if applicable, where the guaranteed annuity portion should not be less than the Minimum Guaranteed Portion shown in the table below: Minimum Guaranteed Portion x < 30 70% 30 ≤ x < 40 60% x ≥ 40 50% Where x = total number of years between (i) the commencement of accumulation period (i.e. premium...

..., if applicable, where the guaranteed annuity portion should not be less than the Minimum Guaranteed Portion shown in the table below: Minimum Guaranteed Portion x < 30 70% 30 ≤ x < 40 60% x ≥ 40 50% Where x = total number of years between (i) the commencement of accumulation period (i.e. premium...

...  Participating  Policies,  it  states  that  benefits  under  Pessimistic  Scenario  are  based  on  a  decrease  of  about  x%  p.a.  whereas benefits under Optimistic Scenario are based on an increase of about y%  p.a. in comparing with the current assumed investment return. Please elaborate a  bit  more...

... Customer Servicing iii. Marketing and Promotion iv. Insurance Sales v. Underwriting P2 of 2 vi. Policy Administration vii. Claims viii. Reinsurance ix. Actuarial Support x. Accounting and Investment xi. Training and Development V. STRUCTURE OF HONG KONG INSURANCE INDUSTRY i. Types of Insurance Business ii....

... Development ii. Customer Servicing iii. Marketing and Promotion iv. Insurance Sales v. Underwriting P2 of 2 vi. Policy Administration vii. Claims viii. Reinsurance ix. Actuarial Support x. Accounting and Investment xi. Training and Development V. STRUCTURE OF HONG KONG INSURANCE INDUSTRY i. Types of Insurance...

... Customer Servicing iii. Marketing and Promotion iv. Insurance Sales v. Underwriting P2 of 2 vi. Policy Administration vii. Claims viii. Reinsurance ix. Actuarial Support x. Accounting and Investment xi. Training and Development V. STRUCTURE OF HONG KONG INSURANCE INDUSTRY i. Types of Insurance Business ii....

... COMPANY i. Product Development ii. Customer Servicing iii. Marketing and Promotion iv. Insurance Sales v. Underwriting P2 of 2 vi. Policy Administration vii. Claims viii. Reinsurance ix. Actuarial Support x. Accounting and Investment xi. Training and Development V. STRUCTURE OF HONG KONG INSURANCE...