Regulations Governing Postal Simple Life Insurance Operations Article 20
After an insurance product has been put on the market, Chunghwa Post shall convene an insurance product management meeting at least once every six months to review the following product-related matters, take responding measures and make necessary adjustments:1. Its compliance with applicable laws and regulations.2. Its consumer protection measures, including more review and evaluation of adverse effects of insurance products on the rights and interests of customers aged 65 and above based on past policyholder dispute cases, any situations where product suitability has not been implemented, or any violation of the principle of fair hospitality.3. Its business strategies regarding the insurance product and the potential impacts of the product on its current or future solvency.4. The appropriateness of the product’s asset-liability allocation. For life insurance products with an insurance period exceeding one year, implementation of asset allocation schemes shall be included.5. Analysis of the pricing reasonableness of insurance products shall include the adequacy of the premium (loading rate). Furthermore, pricing rationality analysis shall be conducted in accordance with the analysis methods prescribed by the FSC. For cases where the rate is insufficient due to deterioration of practical experience incidence, or where the rate is higher due to improvement of practical experience incidence, specific response measures shall be developed.6. Analysis of the concentration risk of various types of insurance products7. The deviations as considered by the FSC to be significant between the actuarial assumption for review (including the lapse rate and the new money rate) and the actual after-sale experience in respect of the major life insurance products.8. Tracking of sales quota for insurance products.9. Analysis of the effectiveness of reinsurance arrangements for insurance products. If the arrangements are not effective after sale, specific response measures shall be developed.10. Any other items designated by the FSC.When the sales volume of insurance products reaches the warning value or sales limit, Chunghwa Post shall promptly have the insurance product management team convene a meeting to discuss response measures to be taken.Settlements based on the decisions made at the meetings of the insurance product management team referred to in the preceding two paragraphs shall be submitted to the upcoming meeting of the board of directors.Chunghwa Post shall submit an overall evaluation report to the board of directors on the impact of insurance product sales on the company’s finances, service, and solvency on a yearly basis.
中文原文 郵政簡易人壽保險監督管理辦法第20條
保險商品銷售後，中華郵政公司應至少每半年召開一次保險商品管理小組會議，檢視保險商品下列事項及應採行因應措施，並作必要之調整修正：
一、相關法令遵循。
二、消費者權益保護，包括依過去保戶爭議案件重新檢視評估保險商品是否對六十五歲以上之客戶之權益有不利影響、是否有未落實商品適合度之情形，或違反公平待客原則。
三、經營策略或潛在影響現在或未來清償能力。
四、資產負債配置允當性，保險期間超過一年之人身保險商品應含資產配置計畫執行情形。
五、保險商品定價合理性分析，應含費用（率）適足性。
並應另依金管會規定之分析方式辦理定價合理性分析，倘有因實際經驗發生率惡化致費率不適足者，或因實際經驗發生率改善致費率偏高者，均應研擬具體之因應措施。
六、各類商品集中度風險分析。
七、主力人身保險商品之送審精算假設（包含保險單脫退率及新錢投資報酬率）與銷售後實際經驗之差異，達金管會所定偏離程度較大者。
八、保險商品銷售額度之追蹤情形。
九、保險商品再保險安排有效性之分析，銷售後倘未具有效性者，應研擬具體之因應措施。
十、其他經金管會指定之事項。
保險商品銷售額度達預警值或銷售限額時，中華郵政公司應即時召開保險商品管理小組會議討論應採行之因應措施。
依前二項保險商品管理小組會議所為之處理，應提報最近一次董事會。
中華郵政公司每年應定期向董事會提報保險商品銷售後對公司財務、業務及清償能力影響之整體評估報告。
一、相關法令遵循。
二、消費者權益保護，包括依過去保戶爭議案件重新檢視評估保險商品是否對六十五歲以上之客戶之權益有不利影響、是否有未落實商品適合度之情形，或違反公平待客原則。
三、經營策略或潛在影響現在或未來清償能力。
四、資產負債配置允當性，保險期間超過一年之人身保險商品應含資產配置計畫執行情形。
五、保險商品定價合理性分析，應含費用（率）適足性。
並應另依金管會規定之分析方式辦理定價合理性分析，倘有因實際經驗發生率惡化致費率不適足者，或因實際經驗發生率改善致費率偏高者，均應研擬具體之因應措施。
六、各類商品集中度風險分析。
七、主力人身保險商品之送審精算假設（包含保險單脫退率及新錢投資報酬率）與銷售後實際經驗之差異，達金管會所定偏離程度較大者。
八、保險商品銷售額度之追蹤情形。
九、保險商品再保險安排有效性之分析，銷售後倘未具有效性者，應研擬具體之因應措施。
十、其他經金管會指定之事項。
保險商品銷售額度達預警值或銷售限額時，中華郵政公司應即時召開保險商品管理小組會議討論應採行之因應措施。
依前二項保險商品管理小組會議所為之處理，應提報最近一次董事會。
中華郵政公司每年應定期向董事會提報保險商品銷售後對公司財務、業務及清償能力影響之整體評估報告。