... calculation of variable fee TOTALS Amount of net liability Value of yearly net premium Value of sums assured or annuities per annum including vested reversionary bonuses Amount of yearly premium Amounts of sums assured or annuities per annum including vested reversionary bonuses g g III 2 …… 3 …… 4 …… FORM...

... into account the customers’ total protection needs, total disposable assets, financial outgoings and liabilities, as well as his/her willingness and ability to pay premium (and the duration of payment) in assessing the affordability of customer before making recommendation. The factors considered...

... -- -- O2 -- -- O2 O3 -- -- O3 -- -- O3 O4 -- -- O4 -- -- O4 O5 -- -- O5 -- -- O5 …… -- -- …… -- -- …… …… -- -- …… -- -- …… …… -- -- …… -- -- …… …… -- -- …… -- -- …… T1 T2 T3 T4 T5 T6 T7 -- Figure to be adopted for calculation of variable fee TOTALS Amount of net liability Value of yearly net premium Value...

... remuneration to be received by the Member are not included; or (b) for each and every other insurance transaction, in either the formal proposal or the quotation, cover note, the premium debit note or covering letter, whichever be issued earlier by the Member to the client. The required Form of Disclosure...

... of Insurance 4.2 Size of Industry 4/3 4.2.1 Authorised Insurers 4.2.2 Registered or Authorised Insurance Intermediaries 4.2.3 Persons Employed 4.2.4 Premium Volume 4.3 Insurance Intermediaries 4/5 4.4 The Hong Kong Federation of Insurers (‘HKFI’) 4/6 5. REGULATORY FRAMEWORK OF INSURANCE INDUSTRY 5/1...

... Insurance Business 4/1 4.1.1 Statutory Classification of Insurance 4.2 Size of Industry 4/3 4.2.1 Authorised Insurers 4.2.2 Registered or Authorised Insurance Intermediaries 4.2.3 Persons Employed 4.2.4 Premium Volume 4.3 Insurance Intermediaries 4/5 4.4 The Hong Kong Federation of Insurers (‘HKFI’) 4/6 5....

... Intelligence Unit18 To Report, or Not to Report? ©Hong Kong Police Force香港警務處版權所有 Joint Financial Intelligence Unit19 Red Flag Indicators • Paying premium with large amount of cash • Payment involving third party’s cheques/ accounts • Change of payment pattern e.g. regular paymet à lump sum payment • Scale of...

... Equity Property Currency Credit Default LT Business Underwriting Mortality & Longevity Morbidity Expense Lapse Mass Lapse Catastrophe Non-life Insurance Premium Reserve Catastrophe Operational Pillar 1 – Quantitative Requirements Planning for QIS 2 (1) 8 • Two options mainly adopted by other...

... Equity Property Currency Credit Default LT Business Underwriting Mortality & Longevity Morbidity Expense Lapse Mass Lapse Catastrophe Non-life Insurance Premium Reserve Catastrophe Operational Pillar 1 – Quantitative Requirements Planning for QIS 2 (1) 8 • Two options mainly adopted by other...

... Intelligence Unit18 To Report, or Not to Report? ©Hong Kong Police Force香港警務處版權所有 Joint Financial Intelligence Unit19 Red Flag Indicators • Paying premium with large amount of cash • Payment involving third party’s cheques/ accounts • Change of payment pattern e.g. regular paymet à lump sum payment • Scale of...