Regulations Governing Insurance Agents Article 33-1
This English translation was last updated on 2024-07-22, but the Chinese text was amended on 2026-09-30. Later amendments may not be reflected in the translation — please refer to the Chinese text.
A bank shall establish a mechanism to check the source of funds for premiums paid by a customer, whether it is a loan from the bank, a time deposit at the bank that is canceled early without penalty, a contract termination or a policy loan obtained through the bank that took place within three months prior to the purchase of insurance, and to check whether there is consistency between the customer and the financial information the customer provides for dealings and transactions with the bank.With the exception of customers purchasing an insurance product that does not require policy value reserve (excluding health insurance products), a micro-whole-life insurance product, an accident insurance product with insurance period of less than three years, or a mortgage life insurance product that does not pay survival benefit, a bank shall, before referring the application document to the insurer to complete the underwriting process, assign a staff not from the sales department to conduct phone call, video call or remote interview to the following customers:1. For customers whose source of funds for premiums paid is a bank loan, a time deposit canceled early without penalty or a policy loan, the customers shall be clearly informed of associated risks and maximum possible loss.2. For customers whose source of funding for insurance premiums payment is the termination of a contract, the customers shall be clearly informed of related losses of interests in insurance contracts as a result of the insurance purchase after the termination of the contract.3. For customers aged 65 and above, the customer shall be asked questions gently around possible disadvantages of the insurance product the customer has purchased to confirm that the customer understands the potential effects and disadvantages associated with the characteristics of the insurance product. However the preceding provision does not apply if the characteristics of the insurance product are not found to have potential effects and disadvantages on customers aged 65 and above after the insurance company makes an evaluation in accordance with Subparagraph 7, Article 6 of the Regulations Governing Pre-sale Procedures for Insurance Products.When a bank discovers in the phone call, video call or remote interview mentioned in the preceding paragraph that there are situations not complying with the rules or countering the intent of the customer, it shall, before the insurer completes the underwriting process, notify the insurer and the customer to rectify the situation or take actions in the interest of the customer.A bank shall tape record the entire phone call, video call or remote interview mentioned in Paragraph 2 hereof with the consent of the interviewee and save the recording of phone call, video call or remote interview for future audits. The tape recording shall be retained for a period of not less than five years after the insurance contract has expired or five years from the date the insurer’s decision of not to underwrite the policy is finalized.The provisions of the preceding four paragraphs apply mutatis mutandis to insurance agent companies invested and established by a financial holding company or a bank.
中文原文 保險代理人管理規則第33-1條
銀行應建立檢核客戶繳交保險費資金來源，是否為投保前三個月內該銀行之貸款、定存解約利息免打折或透過該銀行辦理之解約、保險單借款，以及客戶與其往來交易所提供相關財務資訊具一致性之機制。
銀行將要保文件送交保險業完成核保作業前，應指派非銷售部門之人員，對於下列客戶，就全部要保案件辦理電話、視訊或遠距訪問。
但對於購買無保單價值準備金之保險商品（不包括健康保險）、小額終老保險、保險期間在三年以下之傷害保險或無生存保險金之房貸壽險商品之客戶，不適用之：
一、就繳交保險費之資金來源為貸款、定存解約利息免打折或保單借款之要保人及實際繳交保險費之人，應明確告知其所將面臨之相關風險，以及最大可能損失金額。
二、就繳交保險費之資金來源為解約之要保人及實際繳交保險費之人、應明確告知其因終止契約後再投保所產生之保險契約相關權益損失情形。
三、對於六十五歲以上之客戶，應依客戶所購買保險商品不利於其投保權益之情形進行關懷提問，確認客戶瞭解保險商品特性對其之潛在影響及各種不利因素。
但保險商品之特性經保險業依保險商品銷售前程序作業準則第六條第七款規定評估不具潛在影響及各種不利因素或銀行已依所代理之保險業報經主管機關備查之客戶投保權益保障措施執行招攬者，不在此限。
銀行發現前項電話、視訊或遠距訪問有不符合規定或違反客戶本意之情事，應於保險業完成核保作業前通知該保險業及客戶為補正或採取有利於客戶之處置。
銀行針對第二項電話、視訊或遠距訪問應經受訪者同意全程錄音或錄影，並留存電話、視訊或遠距訪問錄音或錄影紀錄備供查核，保存期限不得低於保險契約期滿後五年或保險業未承保確定之日起五年。
金融控股公司或銀行轉投資成立之保險代理人公司準用前四項規定。
銀行依人身保險業辦理財富管理業務應注意事項（以下簡稱應注意事項）辦理之業務，其已依所代理之保險業報經主管機關備查或核准之該業務招攬控管措施執行者，得依下列事項辦理：
一、辦理應注意事項第三點第一項第一款業務，不適用第二項第三款之規定。
二、協助客戶辦理應注意事項第三點第二項以保險契約為擔保之保費融資業務者，不適用第二項第一款、第二款及第四十九條第二十八款之規定。
銀行將要保文件送交保險業完成核保作業前，應指派非銷售部門之人員，對於下列客戶，就全部要保案件辦理電話、視訊或遠距訪問。
但對於購買無保單價值準備金之保險商品（不包括健康保險）、小額終老保險、保險期間在三年以下之傷害保險或無生存保險金之房貸壽險商品之客戶，不適用之：
一、就繳交保險費之資金來源為貸款、定存解約利息免打折或保單借款之要保人及實際繳交保險費之人，應明確告知其所將面臨之相關風險，以及最大可能損失金額。
二、就繳交保險費之資金來源為解約之要保人及實際繳交保險費之人、應明確告知其因終止契約後再投保所產生之保險契約相關權益損失情形。
三、對於六十五歲以上之客戶，應依客戶所購買保險商品不利於其投保權益之情形進行關懷提問，確認客戶瞭解保險商品特性對其之潛在影響及各種不利因素。
但保險商品之特性經保險業依保險商品銷售前程序作業準則第六條第七款規定評估不具潛在影響及各種不利因素或銀行已依所代理之保險業報經主管機關備查之客戶投保權益保障措施執行招攬者，不在此限。
銀行發現前項電話、視訊或遠距訪問有不符合規定或違反客戶本意之情事，應於保險業完成核保作業前通知該保險業及客戶為補正或採取有利於客戶之處置。
銀行針對第二項電話、視訊或遠距訪問應經受訪者同意全程錄音或錄影，並留存電話、視訊或遠距訪問錄音或錄影紀錄備供查核，保存期限不得低於保險契約期滿後五年或保險業未承保確定之日起五年。
金融控股公司或銀行轉投資成立之保險代理人公司準用前四項規定。
銀行依人身保險業辦理財富管理業務應注意事項（以下簡稱應注意事項）辦理之業務，其已依所代理之保險業報經主管機關備查或核准之該業務招攬控管措施執行者，得依下列事項辦理：
一、辦理應注意事項第三點第一項第一款業務，不適用第二項第三款之規定。
二、協助客戶辦理應注意事項第三點第二項以保險契約為擔保之保費融資業務者，不適用第二項第一款、第二款及第四十九條第二十八款之規定。