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Insurance Digital Onboarding > Virtual onboarding via video conferences with intermediaries > Points to note

Virtual onboarding via video conferences with intermediaries

Points to note

1. Don't participate in a video conference from a public place

  • To protect your personal privacy, do not apply for insurance via video conference in a public or crowded place because the content of the conversation will involve personal data, which may be leaked to a third party.
  • To keep your personal data safe, do not use public Wi-Fi or public computers to conduct virtual onboarding via video conferencing tools.

2. Verify the official meeting link for the video conference

  • Intermediaries must conduct video conferences with clients through their insurer’s system or company account. When you receive an email with a link to the video conference, you should proactively contact your insurer or intermediary to verify the authenticity of the email and the link. If you receive a suspicious email or video conference login link, do not reply to the email, click on the URL link or open the attachment(s), and do not provide any personal or banking information. You should contact the relevant insurer immediately to guard against phishing and scam emails.

3. Read the disclaimer carefully before logging into the video conference

  • A disclaimer for using the video conference system may be embedded in the email with a dedicated meeting link issued by the intermediary. You must read and understand the relevant terms and conditions carefully before logging in to the video conference to protect your personal rights. The video or audio recording will start as soon as the video conference starts.

4. Agree to have the sales process video or audio recorded

  • Before officially starting the sales process, the intermediary must ask whether you agree to the video or audio recording. You have the right to opt out, but the intermediary must still record your decision through a video or audio recording in accordance with the regulatory requirements.
  • Some life insurance policies may last for decades, so it is recommended that you agree to have the entire sales and application process video or audio recorded to protect your rights and those of your beneficiaries, if any.

5. Review all documents carefully before e-signing them

  • You need to provide only one electronic signature to complete the insurance application, but this signature means that you have confirmed and accepted the contents of all the insurance documents. Therefore, you must first carefully review all the insurance documents before e-signing to ensure that you know how many documents are being confirmed and understand the contents of all of them.