... and experience, (iii) preferred investment horizon, (iv) risk attitude and appetite, and (v) risk tolerance or capacity. Members should develop and use appropriate risk profile questionnaires to understand and record the clients’ risk profile in this regard, and the risk profile procedures should be...

... Mortality_Protection_Gap_Report_eng Mortality Protection Gap Study 2021 Table of Contents 01 I. Introduction 04 II. Overview of Hong Kong life insurance market 05 III. Why is the mortality protection gap worth attention? 07 IV. Defining the mortality protection gap 09 V. Mortality protection gap...

... Mortality_Protection_Gap_Report_eng Mortality Protection Gap Study 2021 Table of Contents 01 I. Introduction 04 II. Overview of Hong Kong life insurance market 05 III. Why is the mortality protection gap worth attention? 07 IV. Defining the mortality protection gap 09 V. Mortality protection gap...

... 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...

... potential policy holders; (ii) the ongoing servicing of QDAPs (such as issuance of the Annual Summary); (iii) training; and (iv) record keeping requirements. 7. Commencement 7.1 This Guideline shall take effect on 1 April 2019. March 2019 5 Annex A – Criteria for QDAP General 1. The policy is underwritten...

... following three purposes – (i) defining “eligible investors” to whom ILS may be sold or offered for purchase; (ii) prescribing a minimum investment size for ILS; and (iii) prescribing the offences and the relevant penalties whereby (i) and (ii) are contravened. 16. We have elaborated on the policy intent...

... potential policy holders; (ii) the ongoing servicing of QDAPs (such as issuance of the Annual Summary); (iii) training; and (iv) record keeping requirements. 7. Commencement 7.1 This Guideline shall take effect on 1 April 2019. March 2019 5 Annex A – Criteria for QDAP General 1. The policy is underwritten...

... that I am willing to pay the premiums for the entire payment term of the ILAS policy. Name of Customer Signature of Customer Date Name of Licensed Insurance Intermediary Signature of Licensed Insurance Intermediary Date # delete as appropriate Section III: Suitability Declaration I (“customer...