... GL30 GUIDELINE ON FINANCIAL NEEDS ANALYSIS Insurance Authority Contents Page 1. Introduction……………………………………………….. 1 2. Interpretation……………………………………………… 1 3. Relevant Regulatory Requirements and Status of this Guideline……………………..…………………………… 2 4. Scope of Application……………………………...……… 3 5. Purpose...

... 31-12-19 5 34,674 95,696,747 535,043 188,919 利寶國際 Liberty Int'l 31-12-19 727 25,277 39,606,400 44,348 16,076 宏利（國際） Manulife (Int'l) 31-12-19 8,123 214,262 53,352,562 1,052,471 380,100 Massachusetts Mutual Massachusetts Mutual 31-12-19 - - - - - 大都會人壽 MetLife 31-12-19 - - - - - 美商大都會人壽 Metropolitan Life...

...，應向該客戶披露的最低限度資料 1 。 3. 本應用說明不具法律效力及不應被詮釋為可凌駕於任何法律條文。保監局保留不時審 閱並更新本應用說明的權利。除非另有指明，本應用說明內所使用的字詞與《操守守 則》中所界定者具有相同涵義。 B. 就持牌保險經紀公司從保險人收取報酬的最低限度披露規定 1. 若持牌保險經紀公司獲客戶委任以安排保單，而該經紀公司安排保單的報酬將由相關 保險人支付，則該經紀公司須就有關報酬作出下文 B2 至 B5 段中所述的最低限度披 露。 2. 在安排保單前，持牌保險經紀公司應就其報酬向客戶提供以下聲明： 報酬聲明 ［持牌保險經紀公司的名稱］(“本公司”) 將藉收取保險人支付的報酬...

...，應向該客戶披露的最低限度資料 1 。 3. 本應用說明不具法律效力及不應被詮釋為可凌駕於任何法律條文。保監局保留不時審 閱並更新本應用說明的權利。除非另有指明，本應用說明內所使用的字詞與《操守守 則》中所界定者具有相同涵義。 B. 就持牌保險經紀公司從保險人收取報酬的最低限度披露規定 1. 若持牌保險經紀公司獲客戶委任以安排保單，而該經紀公司安排保單的報酬將由相關 保險人支付，則該經紀公司須就有關報酬作出下文 B2 至 B5 段中所述的最低限度披 露。 2. 在安排保單前，持牌保險經紀公司應就其報酬向客戶提供以下聲明： 報酬聲明 ［持牌保險經紀公司的名稱］(“本公司”) 將藉收取保險人支付的報酬...

...”)違反條例第 5(11)條所界定的指明條 文，保監局可以只施加罰款，也可同時向該保險機構施加其 他紀律制裁。 1.2. 本指引載述保監局擬採用何種方式行使條例第 21(2)(c)條所 提述的施加罰款權力，而保監局在行使該權力時，必須考慮 指引的內容。 2. 保險業監管局行使施加罰款權力時的考慮因素 2.1. 按照目前的政策，保監局通常會把所有施加罰款的決定公布 周知。 2.2. 保監局在斟酌是否施加罰款和罰款金額時，會考慮有關個案 的所有情況，包括下文所述的相關因素。 2.3. 保監局所施加的罰款應能遏止有關保險機構違反條例第 5(11) 條所界定的指明條文。罰款也應發揮以儆效尤的作用，阻嚇 其他...

... matters processed by the IA; and 6 (n) co-operating with and assisting the SFC and, where appropriate, other regulators in Hong Kong or elsewhere that are concerned with the regulation of insurance-related investment products and their operators. 5 RELEVANT RESPONSIBILITIES OF THE SFC UNDER THE MOU 5.1...

... matters processed by the IA; and 6 (n) co-operating with and assisting the SFC and, where appropriate, other regulators in Hong Kong or elsewhere that are concerned with the regulation of insurance-related investment products and their operators. 5 RELEVANT RESPONSIBILITIES OF THE SFC UNDER THE MOU 5.1...

... matters processed by the IA; and 6 (n) co-operating with and assisting the SFC and, where appropriate, other regulators in Hong Kong or elsewhere that are concerned with the regulation of insurance-related investment products and their operators. 5 RELEVANT RESPONSIBILITIES OF THE SFC UNDER THE MOU 5.1...

... matters processed by the IA; and 6 (n) co-operating with and assisting the SFC and, where appropriate, other regulators in Hong Kong or elsewhere that are concerned with the regulation of insurance-related investment products and their operators. 5 RELEVANT RESPONSIBILITIES OF THE SFC UNDER THE MOU 5.1...

... Appendix I IMPORTANT DOCUMENT! PLEASE READ AND COMPLETE CAREFULLY! 重要文件! 請小心閱讀及填寫! (1) CUSTOMER PROTECTION DECLARATION 閣下可向保險代理/經紀索取中文版本,本聲明書之中英文版均具同等效力 This is an IMPORTANT part of the Code of Practice for Life Insurance Replacement issued by the Hong Kong Federation of Insurers and the...