... region. Dr Moses Cheng Chairman August 2018 CEO’S MESSAGE Annual Report 2017-18 5 In 2017-18, the Insurance Authority (“IA”) moved ahead at full steam in its efforts to accomplish a smooth transition to the new regulatory regime for the insurance industry. I have been privileged to have served as the...

... region. Dr Moses Cheng Chairman August 2018 CEO’S MESSAGE Annual Report 2017-18 5 In 2017-18, the Insurance Authority (“IA”) moved ahead at full steam in its efforts to accomplish a smooth transition to the new regulatory regime for the insurance industry. I have been privileged to have served as the...

... region. Dr Moses Cheng Chairman August 2018 CEO’S MESSAGE Annual Report 2017-18 5 In 2017-18, the Insurance Authority (“IA”) moved ahead at full steam in its efforts to accomplish a smooth transition to the new regulatory regime for the insurance industry. I have been privileged to have served as the...

... complaining against;  your name, address and telephone number;  full details of your complaint and photocopies of relevant supporting documents; and  your written consent for the IA to refer your complaint to the relevant party(ies) for the purposes of follow-up (where necessary). When you have completed...

... unsuitable for them, they can cancel their policy for a full refund of the premium paid, or a refund of the premium paid after a “market value adjustment”3 (if applicable). They can inform the insurance company in writing if they wish to cancel their policy within the cooling-off period. 3 Take the...

... complaining against;  your name, address and telephone number;  full details of your complaint and photocopies of relevant supporting documents; and  your written consent for the IA to refer your complaint to the relevant party(ies) for the purposes of follow-up (where necessary). When you have completed...

... unsuitable for them, they can cancel their policy for a full refund of the premium paid, or a refund of the premium paid after a “market value adjustment”3 (if applicable). They can inform the insurance company in writing if they wish to cancel their policy within the cooling-off period. 3 Take the...

... cancel their policy for a full refund of the premium paid, or a refund of the premium paid after a “market value adjustment”3 (if applicable). They can inform the insurance company in writing if they wish to cancel their policy within the cooling-off period. 3 Take the initiative to contact the insurance...

..., e.g. living expenses of client and his/her dependant, mortgage and tax payments, other insurance premium payments, as collected in the Needs Analysis. 11.2 the financial commitment of client, i.e. the total premiums payable for the full payment term of the recommended product as shown in the insurer’s...