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Savings and Investment

Investment linked Insurance (Chinese article)

2019-09-04 2min read
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投資相連壽險產品﹙投連險﹚曾經盛極一時,於2007年銷售達602億港元,但於2015年,其銷售已萎縮至103億港元。由於投連險的銷售衍生不少投訴,於2013年,保險業監理處開始發出指引﹙GN15﹚,強制要求中介人在銷售投連險時,須披露收取的實際佣金、產品收費水平等,投保人更要簽名確認;而保險公司更必須在售後21日的冷靜期內,由獨立團隊以電話跟進並錄音,確保投保人清楚理解所購保單中的權責。
 
所以,今時今日,當購買投連險時,顧客除了需要簽署《申請表》、《風險承擔能力問卷》、及《理財需要分析》等表格外,更需要確認《重要資料聲明書及投保人聲明書》,總共簽名多達10次。究竟《重要資料聲明書及投保人聲明書》為什麼如此重要呢?
 
重要資料聲明書及投保人聲明書
  • 此聲明書詳細交代「沒有資產擁有權及沒有投資回報保證」、「提早退保/提取保單款項的收費」、「提早終止風險」及「中介人的酬勞」等意思;
  • 要求投保人「手寫列出投購此投資相連壽險保單的原因/考慮因素」;
  • 要求投保人逐頁簽名;
  • 如果,從「理財需要分析」及「風險承擔能力問卷」中顯示投保人不適合此類產品,投保人需親筆填寫申請計劃的原因。
 
最後,10Life再提醒大家,投連險產品牽涉多項收費,如前期收費、行政/管理收費、退保收費、提取款項收費等等,而投資選擇及風險均由保單持有人﹙顧客﹚自行承擔,再者,投連險的保障成份一般來說都較低,未必達到普羅投保人將風險轉移至保險公司的目的。
 
參考資料﹕
http://www.oci.gov.hk/chi/stat/index05_15.html
http://www.thechinfamily.hk/web/tc/financial-products/insurance/product-types/ilas/basics/ilas-and-funds.html
10Life Editorial Team

Our team of professional content researchers focussing on insurance

10Life Editorial Team

Our team of professional content researchers focussing on insurance

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