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10Life指證監會投連險新指引應縮短過渡期
證監會就投資相連壽險(投連險)發出新指引,保險比較平臺10Life行政總裁倫沛然迴應指,歡迎證監會就投連險產品設計要待客公平的重要原則發出新指引,令投資者能恰當地理解條款及風險,但認爲新指引指引現有產品過渡期長達18個月,建議應縮短過渡期,以減低投保人風險。 他表示,證監會是次作出清晰指引,列明有關收費必須公平、按比例及相稱;並列明退保費用必須與投連險的保障性質相稱,例如本身保險成份低,似是一個基金平臺的產品應該容許較短時間內退保,且費用應要降低,身故賠償高達已繳保費150%的產品則列爲高保障類,容許較高退保費用。 倫沛然指出,10Life過往一直倡議產品資料概要清晰地列出費用,證監會今次要求投連險發行人需要列清楚最少三個不同年期的相關費用,認爲新指引推出後,有助投連險產品披露更透明,但需要時間觀察市場上投連險產品實際費用是否降低、披露是否更清晰。
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