... financial system, and the cultural and economic links between certain segments of the community and regions affected by terrorism. However, there has been no confirmed TF case in Hong Kong. High-risk patterns commonly associated with TF such as abuse of non-profit organisations (“NPOs”) or physical movement...

... ensure they are consistent with the customer’s risk profile • Identify transactions that are complex, unusually large amount or unusual pattern, or no economic or lawful purpose Ongoing Monitoring Ongoing Monitoring Office of the Commissioner of Insurance The Government of the Hong Kong Special...

..., professional indemnity market loss in economic downturn (e.g. lawyers, banks, accountants), common practice discovered to be harmful (e.g. doctors), product liability due to product failure, class action from offshore business • Accident and health risks e.g. explosion or conflagration, pandemic, group travel...

... ensure they are consistent with the customer’s risk profile • Identify transactions that are complex, unusually large amount or unusual pattern, or no economic or lawful purpose Ongoing Monitoring Ongoing Monitoring Office of the Commissioner of Insurance The Government of the Hong Kong Special...

... order or change to discount rate for lump sum compensation) • Systemic liability risk for example employees’ compensation exposure to infectious disease, professional indemnity market loss in economic downturn (e.g. lawyers, banks, accountants), common practice discovered to be harmful (e.g. doctors...

... order or change to discount rate for lump sum compensation) • Systemic liability risk for example employees’ compensation exposure to infectious disease, professional indemnity market loss in economic downturn (e.g. lawyers, banks, accountants), common practice discovered to be harmful (e.g. doctors...

... ensure they are consistent with the customer’s risk profile • Identify transactions that are complex, unusually large amount or unusual pattern, or no economic or lawful purpose Ongoing Monitoring Ongoing Monitoring Office of the Commissioner of Insurance The Government of the Hong Kong Special...

... issuers, employers and scheme members and the economic conditions that might unfold in the future. (d) Aggregation of risks The sufficiency of provisions should be judged in aggregate across all risks for a given product grouping (in respect of Class G insurance policies with broadly identical contract...

... should consider it? Young people wi th l imi ted financial means; individuals who have high protection needs for a period of time or who are looking solely for protection and have other financial plans Individuals in a strong financial s i t ua t i on w ho wa n t b o t h protection and long-term savings...

... Supplement to GL3 Guideline on Anti-Money Laundering and Counter- Terrorist Financing (For authorized insurers and reinsurers carrying on long term business, and licensed individual insurance agents, licensed insurance agencies and licensed insurance broker companies carrying on regulated activitie...