...; LESSON 2 - Fit and proper licensed insurance agents in Hong Kong do not break the law by getting involved with cross border solicitation Licensed insurance intermediaries in Hong Kong must not breach the relevant laws and regulations in the Mainland which make solicitation of insurance in...

... arranged by the airline. The insured person cannot choose another flight on their own. No additional transportation and accommodation expenses incurred by choosing another flight on their own are covered under the policy terms. Case 2: Pre-existing conditions Mr. Lee and his wife...

... III. Investment Assets i. Money Market Instruments A. Bank Deposits B. Negotiable Short-term Debt Instruments C. Advantages and Disadvantages of Money Market Instruments 2 ii. Debt Securities A. Investing in Debt Securities B. Par Value C. Convertibility D. Coupon Rate E. Term to Maturity F. Pricing of...

...：[email protected] A B 1 2 3 合適與否 保障金額 負擔能力 仔細考慮你需要甚麼財務保障，並選擇最 切合你個人目標及需要的保障範圍。 評估你的財務能力，特別是購買保費期較長 的人壽保險。因為較長的保費期可能會對你 的財務狀況造成負擔。你購買人壽保險前， 宜先利用「財務需要分析」來幫助了解你的 財務能力。 4 產品比較 比較各家保險公司所提供的產品並作出評估， 從而選擇最切合自己需要的保障。不要只著眼 於保費金額。保費多寡，通常與保障範圍和條 款相關。如有需要，你可向保險公司或保險中 介人查詢。 慎重釐定投保金額。一般保險（如財產險）的 投保額應與受保財物的重置價值相符。至於人 壽保險的投保額，應能足夠...

... Kong). 2 There is no dispute that 2019 and 2020 are two of the three hottest years recorded in history. Rising temperatures bring higher sea levels and affect ecosystems. What used to be called rarities such as super typhoons, severe blizzards, sprawling bushfires, parching droughts and drenching...

... Kong). 2 There is no dispute that 2019 and 2020 are two of the three hottest years recorded in history. Rising temperatures bring higher sea levels and affect ecosystems. What used to be called rarities such as super typhoons, severe blizzards, sprawling bushfires, parching droughts and drenching...

...：[email protected] A B 1 2 3 合適與否 保障金額 負擔能力 仔細考慮你需要甚麼財務保障，並選擇最 切合你個人目標及需要的保障範圍。 評估你的財務能力，特別是購買保費期較長 的人壽保險。因為較長的保費期可能會對你 的財務狀況造成負擔。你購買人壽保險前， 宜先利用「財務需要分析」來幫助了解你的 財務能力。 4 產品比較 比較各家保險公司所提供的產品並作出評估， 從而選擇最切合自己需要的保障。不要只著眼 於保費金額。保費多寡，通常與保障範圍和條 款相關。如有需要，你可向保險公司或保險中 介人查詢。 慎重釐定投保金額。一般保險（如財產險）的 投保額應與受保財物的重置價值相符。至於人 壽保險的投保額，應能足夠...

... allowed on an annual basis (i.e. policy holders are not required to submit an application every year), the premium may be adjusted annually according to the age of the policy holders as prescribed in the contract. 2. Consider your personal needs There are a variety of medical...

... by the Insurance Authority under the Insurance Ordinance (Cap. 41). 2. Conduct a self assessment of your actual needs and financial position Before applying for insurance, you should consider your specific protection needs and your reason for taking out an...

... effectiveness in administering the insurance laws of their respective jurisdictions have reached the following understanding: I. Definitions 2. For the purposes of this Memorandum of Understanding, the terms set out below have the assigned meanings unless the context requires otherwise: (a) “Authority” means...