How to Improve ILAS’ Fee Disclosure? (Chinese Article)
10Life Team
- 上述投連險利益說明文件假設受保人為40歲男性、整付保費100萬港元、保單年期為第20個年度。所列出的預期退保價值是根據淨回報率計算，以3%回報為例，10Life精算團隊模擬出TFCD最高百分比為24.27%，與產品資料概要列出的24%有輕微差距；
- 淨回報率是經扣除基金公司收取的參考基金的費用及收費，而該基金費用及收費會因參考基金不同而有所差異；
- 10Life以不同途徑搜集保險公司公開資料，包括產品資料概要及利益說明文件，力求最精準前提下計算出上述數字。數字僅供參考，並沒有考慮您的個人需要，絕對不是銷售建議。用戶投保前，應與持牌保險顧問商討；
- 以上資訊更新至2021年9月16日。
- TFCD百分比算式頗為複雜（註3），保險公司採取前期收費或後期收費模式，將影響有關百分比，導致未能反映收費實況；
- TFCD百分比可比較性不高。例如「整付保費」與「定期保費」投連險本身假設已經有差異，前者是一筆過繳付保費後持有20年，後者則是分期供款一段較長時間；
- 有些情況是「甲產品」大部份收費細項較「乙產品」為低，TFCD百分比卻較高；
- TFCD百比分僅反映保單層面收費，未反映基金層面收費；
- 投連險收費細項繁多，例如行政費用、投資組合管理費用、提款費用等，名目並不統一，令消費者未能比較。
- 利益說明文件上應新增一項虧損情景，讓投保人清楚明白潛在虧損風險，更容易管理預期；
- 利益說明文件上應明確列出投連險在不同年度及假設回報下，衍生的實際收費及費用，並以獨立一欄列出，提高產品透明度；
- 每款投連險產品，有關保險公司發行人均需要在產品資料概要內詳細披露TFCD算式，增加透明度；
- 統一產品資料概要內的費用及收費細項名目，避免消費者混淆，讓他們更容易作出比較，減少誤會。
- 《長期保險保單利益說明指引》；
- 證監會2013年更新投連險披露要求；
- 投委會《總費用及收費披露》列出TFCD算式。
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