... especially where the client’s personal circumstances may have changed significantly. To enhance protection for policyholders, insurers may conduct PSC for “top-up” if it is considered prudent to do so. Q10: What if clients submit top-up requests, direct to the insurers without going via their intermediaries....

...) 0 578,811 意外及疾病 (非醫療) Accident & Sickness (Non-medical) 376 261,519 非意外及疾病 Other than Accident & Sickness 366,145 87,547,936 10,922 177,153 (II) 年金 (II) Annuities 676 26,562 2,601 8,182,536 265,635 5,292,608 類別 A 總額 Total of Class A 27,599 888,724 84,165,232 564,589,125 38,175,165 68,663,669 B 婚姻及出生...

...  that  insurers  and  intermediaries  should ensure  that  the  recommended  policy  is  suitable  for  the  circumstances  (e.g.  needs,  affordability, etc) of the customer.      In  case  of  affordability  mismatch  (e.g.  the  customer  has  indicated  a  target  premium  term  of  10  years  but...

...  affordability  mismatch  (e.g.  the  customer  has  indicated  a  target  premium  term  of  10  years  but  is  recommended  a  product  with  whole‐of‐life  payment  term),  insurers  should  not  accept  the  application  even with  customer  declaration (including ILAS and non‐ILAS).              (as at 12...

... 13.0 4.5 (0.4) 2.7 (0.4) 0.4 204.4 226.2 204.3 239.2 222.3 59.7 76.1 43.4 26.4 31.1 88.8 68.8 57.9 76.4 69.0 8.5 6.8 3.8 2.9 3.9 20.0 21.7 22.0 44.0 56.6 9.3 9.1 3.8 2.5 (0.6) 12.3 11.8 11.3 12.5 12.7 1.1 0.9 0.7 0.6 0.6 100.0 96.7 94.9 147.9 123.1 10.7 10.5 14.4 15.5 14.8 557.8 598.9 557.8 697.5 668.8...

... 11.3 4.5 2.9 4.8 9.4 13.7 14.1 13.0 12.7 (0.4) 2.7 (0.4) 0.4 0.1 226.2 204.3 239.2 222.3 232.4 76.1 43.4 26.4 31.1 47.5 68.8 57.9 76.4 69.0 79.7 6.8 3.8 2.9 3.9 2.5 21.7 22.0 44.0 56.6 43.9 9.1 3.8 2.5 (0.6) 0.0 11.8 11.3 12.5 12.7 14.0 0.9 0.7 0.6 0.6 1.8 96.7 94.9 147.9 123.1 168.6 10.5 14.4 15.5...

...: CLASSES A TO F 在岸 / 離岸 Onshore / Offshore (a) 在岸 (a) Onshore (b) 離岸 (b) Offshore 總額 : (a) + (b) Total : (a) + (b) 表格 HKLQ1-1(c) Form HKLQ1-1(c) 類別 Class 業務種類 Type of Business (a) 此期間收入帳內的可收取 的整付保費 (a) Single Premiums Receivable in Revenue (b) 年度化保費 (<5年) (b) Annualized Premiums (<5 years) (c) 年度化保費 (5 <10...

... category II 7 8 15 I Retirement scheme management category III 20 21 41 1 Accident 61 29 90 2 Sickness 58 23 81 3 Land vehicles 49 23 72 4 Railway rolling stock 50 29 79 5 Aircraft 26 22 48 6 Ships 52 32 84 7 Goods in transit 56 30 86 8 Fire and natural forces 60 25 85 9 Damage to property 60 25 85 10...

... category II 7 8 15 I Retirement scheme management category III 20 21 41 1 Accident 61 29 90 2 Sickness 58 23 81 3 Land vehicles 49 23 72 4 Railway rolling stock 50 29 79 5 Aircraft 26 22 48 6 Ships 52 32 84 7 Goods in transit 56 30 86 8 Fire and natural forces 60 25 85 9 Damage to property 60 25 85 10...

...) 0 376,959 意外及疾病 (非醫療) Accident & Sickness (Non-medical) 117 150,503 非意外及疾病 Other than Accident & Sickness 93,032 56,753,380 4,664 95,918 (II) 年金 (II) Annuities 588 23,150 56,188 10,288,860 278,506 4,511,016 類別 A 總額 Total of Class A 15,228 599,798 54,040,019 424,057,310 22,243,477 52,771,275 B 婚姻及出生...