... Rates, which sets out a clear and uniform methodology to calculate and disclose fulfillment ratios of the non-guaranteed dividends for participating products, and historical crediting interest rates for universal life products. A full list of the guidance notes promulgated by the IA is at Appendix 8....

... guaranteed value and the non-guaranteed value payable to the policy holder under the terms and conditions of the policy, including the policy value, account value, cash value, cash coupon, dividends, bonuses, interest, etc. payable under the policy. 2.2 Unless otherwise specified, words and expressions used...

... guaranteed value and the non-guaranteed value payable to the policy holder under the terms and conditions of the policy, including the policy value, account value, cash value, cash coupon, dividends, bonuses, interest, etc. payable under the policy. 2.2 Unless otherwise specified, words and expressions used...

... terms or returns on investment, dividend or bonus shown on benefit illustrations, etc. Claims – refers to complaints in relation to insurance claims. The IA cannot adjudicate insurance claims or order payment of compensation. It can, however, handle complaints related to the process by which claims are...

... terms or returns on investment, dividend or bonus shown on benefit illustrations, etc. Claims – refers to complaints in relation to insurance claims. The IA cannot adjudicate insurance claims or order payment of compensation. It can, however, handle complaints related to the process by which claims are...

... dividend policy. 28. A description of the company’s claims reserving policy, including arrangements for setting up reserves, frequency of reviewing, and measures and methodologies used to ensure their adequacy. In case of a non-Hong Kong company, the claims reserving policy to be stated is in respect of...

... dividend policy. 28. A description of the company’s claims reserving policy, including arrangements for setting up reserves, frequency of reviewing, and measures and methodologies used to ensure their adequacy. In case of a non-Hong Kong company, the claims reserving policy to be stated is in respect of...

... by another insurer by misrepresentation, fraudulent or unethical means). Representation of Information – refers to complaints relating to the presentation of an insurance product’s features, policy terms and conditions, premium payment terms or returns on investment, dividend or bonus shown on...

... assumptions, would be useful for readers to obtain a complete picture of the scenarios tested. In addition, most insurers disclosed only their sales plan but not, for instance, dividend or capital injection plans. On a related note, for ongoing annual ORSA, it is encouraged that insurers assess whether actual...

... dividend policy. 28. A description of the company’s claims reserving policy, including arrangements for setting up reserves, frequency of reviewing, and measures and methodologies used to ensure their adequacy. In case of a non-Hong Kong company, the claims reserving policy to be stated is in respect of...