... value at the time of death. Who 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...

... later for reasons such as a change in your health condition. Smart tips Before signing the loan contract, you should take note of the various adverse circumstances set out in the clauses (such as being required to provide additional collateral or make immediate repayment...

... amount of premium payable for the product.    In providing any of the permitted gifts, promotions or incentives set out in paragraph  6.1  to an  insurance broker, Member Companies should ensure  they do not create a  conflict of interest in the duty that the insurance broker owes to the policyholder (or...

... replacement： a) You could be paying the policy set-up cost TWICE – the set-up cost is usually two years premiums or 10% of single premium of the basic life insurance policy replaced/to be replaced (This is for reference only; the Agent/Broker should advise you of the estimated loss for this replacement...

... replacement： a) You could be paying the policy set-up cost TWICE – the set-up cost is usually two years premiums or 10% of single premium of the basic life insurance policy replaced/to be replaced (This is for reference only; the Agent/Broker should advise you of the estimated loss for this replacement...

... implications of the replacement： a) You could be paying the policy set-up cost TWICE – the set-up cost is usually two years premiums or 10% of single premium of the basic life insurance policy replaced/to be replaced (This is for reference only; the Agent/Broker should advise you of the estimated loss for this...

... enhanced disclosure requirements under IFRS 17 will provide users of financial statements, including shareholders, investors and, of course, the IA, with readily comparable data and new set of IFRS 17 Key Performance Indicators. The introduction of contractual service margin (CSM) illustrates the value...

... time if the IA is of the view that: (a) the policy concerned does not or will no longer comply with any of the criteria set out in Annex A; or (b) the continued availability of the QDAP would adversely affect the interests of policy holders or potential policy holders. 4 6. Other Requirements 6.1...

... than 6 months to IA with details as set out in Annex O. In case insurers prefer to have more time allowed for policy holders to settle the outstanding levies, can this overdue period be extended beyond 6 months before reporting to IA? A19...

... time if the IA is of the view that: (a) the policy concerned does not or will no longer comply with any of the criteria set out in Annex A; or (b) the continued availability of the QDAP would adversely affect the interests of policy holders or potential policy holders. 4 6. Other Requirements 6.1...