...但未報賠的申索準備金 Provision for IBNR 1,618.8 1,997.7 3.5 36.3 232.5 157.5 304.7 5,826.6 9.4 1,650.5 356.3 12,193.8 截至2019年底的未決申索準備金 (包括已招致但未報賠的申索) Outstanding Claims Provision (including IBNR) at the end of 2019 2,299.2 5,638.0 3.7 187.0 1,115.5 309.0 1,598.3 11,620.6 46.8 3,475.7 658.8 26,952.6 截至2018年底的未決...

...) (百萬元) (百萬元) (百萬元) Class of Business Surrender Terminations Terminations Terminations ($m) ($m) ($m) ($m) 個人人壽及年金 (非投資相連) 401,988 178,203 580,191 556,792 4.2% 37,371 105,999 143,370 130,524 9.8% Individual Life and Annuity (Non-Linked) 個人人壽及年金 (投資相連) 83,995 3,135 87,130 101,257 -14.0% 30,811 5,756 36...

... Chapter 7 Chapter 7 –– STRSTR 7.16: disclosure to JFIU as soon as it is reasonable to do so 7.19: MLRO’s roles (7.19-7.30, 7.33, 7.36) – Central reference point for reporting suspicious transactions – Sufficient status & adequate resources – Active role; regular review of exception reports – Keep proper...

... 3.3 on Pages 36 and 40; and second paragraph on Pages 42 and 47). POST SALE CALLS Q18: Will a PSC or notification letters be required for top-ups? A18: The current practice continues and PSC is not required for top-ups. However, insurers may conduct PSC for top-up if it is considered prudent to do so....

... (Footnote 36 – High risk situations) Consideration might be given to obtaining, and taking reasonable measures to verify, the addresses of directors and account signatories. To be repealed Delay in identity verification (Footnote 18) The same principle applies to the verification of address for a direct...

... Analysis 5.2.10 Important Facts Statement for Mainland Policyholder 5.2.11 Relevant Guidelines by Approved Bodies of Insurance Brokers v 5.3 Underwriting 5/36 5.3.1 Underwriting Factors 5.3.2 Medical Reports 5.3.3 Sub-Standard Life and Underwriting Measures 5.4 Policy Issuance 5/40 5.4.1 Policy Delivery...

...) 5.2.9 Initiative on Financial Needs Analysis 5.2.10 Important Facts Statement for Mainland Policyholder 5.2.11 Relevant Guidelines by Approved Bodies of Insurance Brokers v 5.3 Underwriting 5/36 5.3.1 Underwriting Factors 5.3.2 Medical Reports 5.3.3 Sub-Standard Life and Underwriting Measures 5.4 Policy...

... multiple-choice questions. The majority of the questions will be very straightforward, involving a simple choice from four alternatives. These we may call Type ‘A’ Questions. A selection of the questions (probably between 10% and 15%) will be slightly more complex, but again involving a choice between four...

..., perhaps alongside others, for comparing different annuity policies or comparing an annuity product with another type of financial product. - GL19 requires that the IRR of the annuity policy should be disclosed in the PB both in the form of minimum to maximum IRRs for the guaranteed portion (i.e....

... the various products. It must be noted that insurers generally differ from each other in various degrees in the policy wording and terms adopted for the same type of insurance. From a practical point of view, we shall present in these notes what may be considered a representative summary of the...