The Hidden Traps Behind Premium Financing (Chinese Article)
- 過度槓桿正常而言，保費融資就借款人的負擔能力測試，應該是考慮借出貸款規模。但這筆貸款卻被個別保險公司及保險顧問用作「支持」客戶具有負擔能力的理據，導致投保人過度槓桿（over-leveraging）。另外，保險公司亦沒有查核現時客戶持有的生效保單當中，有哪些正在繳交保費，更沒有檢查這些保單有沒有作為抵押品進行借貸。
- 證明文件不足保險公司承保及對客戶進行盡職審查時，應該會要求客戶提供財政能力的證明，以證明有足夠資產還錢。不過，更多時候客人未能證明資金來源是來自「流動資產」，更多是以「非流動資產」，包括物業的市值、壽險現金價值、聯名戶口資金等作證明。保險公司甚至會要求銀行聲明客戶資產水平，尤其是銀行本身就是保險中介人，但實情是就算銀行未有提供相關資料，保險公司亦會將有關資產聲明照單全收。另外，部份保險公司獲悉客戶有其他債務，例如透支、按揭，但選擇視而不見。
- 未解釋清楚風險保費融資等於客戶將保單權利及利益作為抵押予銀行，以獲得融資，因此客人需要完全明白有關風險。然而，個別保險公司在發出保單或保單生效後，才通知客戶保費融資的風險，風險披露聲明毋須客戶簽署；有一間保險公司發出大量保費融資單後，竟然沒獲得客戶風險披露聲明簽署。有保險公司將抵押品風險融入保險建議書，成為一般風險披露聲明，而沒有作出額外提醒及解釋。
- 銷售失當有代理將保費融資及保單捆綁成一種「銀行產品」出售。該代理更自製銷售材料聲稱產品「沒有風險」、「最強定期存款」，具有誤導成份。另外亦有保險中介人將保費融資介紹成支付方法，而沒有談到其實際影響，最終令投保人未有注意實際收益或會較中介人最初提及的為低，原因是部份會被利息抵銷。
- 冷靜期在保費融資領域，使用冷靜期取消保單的權利其實是由貸款人（銀行）持有，但保險公司未有向客戶提及，有機會構成誤導，令客戶感到混亂。另外，保費融資一旦提取，即時會收取利息，即使冷靜期權利已經行使。然而，部份銀行作為中介人以及貸款提供者，未有在銷售時向客人提及這項利息開支。
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