Regulations Governing Insurance Agents Article 35
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.
Banks that operate concurrently insurance agent business shall comply with the following provisions:1. Have a sign conspicuously placed at its business place indicating that it engages in insurance agent business;2. Make clear and enable consumers to understand the distinction between insurance agent business and banking business;3. Set up or designate a relevant department to handle dispute cases arising out of the insurance agent business;4. Clearly disclose to customers the nature and risks of insurance products; and5. Other matters of compliance as required by the competent authority.Banks shall not commit any of the acts described in the subparagraphs below:1. Banks shall not use customer deposit information to induce purchase of insurance or recommend insurance products that do not match the customer's risk profile by misleading customer or using improper sales techniques.2. Banks try to sell insurance products to customers by comparing only the difference in rate of return on time deposit and the insurance product while ignoring the risk characteristics and nature of the product or not disclosing information such as return/risk tradeoff.3. Authorize bank employees who handle loans and credit or deposits and remittance business to sell investment-linked insurance products or insurance products with surrender value (excluding personal injury insurance and mortgage life insurance with an insurance period of less than 3 years) and receive commissions therefrom; the preceding provision does not apply when the proposer or the insured is the spouse or a direct blood relative of such employee.
中文原文 保險代理人管理規則第35條
銀行兼營保險代理業務，應依下列規定辦理：
一、應於營業場所顯著明確標示辦理保險代理業務。
二、應表明並使消費者瞭解保險代理業務與銀行業務之區別。
三、設立或指定相關部門，負責處理因兼營保險代理業務所衍生之爭議案件。
四、應向客戶明確揭露保險商品之性質及風險。
五、其他主管機關規定應遵行之事項。
銀行不得有下列各款之行為：
一、利用客戶之存款資料進行誤導或不當行銷方式勸誘、推介與客戶風險屬性不相符之保險商品。
二、僅以定期存款與保險商品間之報酬率為差異比較，而忽略各類商品之風險特性及產品屬性，或未就報酬與風險為衡平對稱之揭露等情事。
三、授權辦理授信或存匯業務之行員銷售投資型保險商品及具解約金之保險商品（不包括保險期間在三年以下之傷害保險及房貸壽險）並收取佣酬。
但銷售對象之要保人或被保險人為其配偶或直系血親者，不在此限。
一、應於營業場所顯著明確標示辦理保險代理業務。
二、應表明並使消費者瞭解保險代理業務與銀行業務之區別。
三、設立或指定相關部門，負責處理因兼營保險代理業務所衍生之爭議案件。
四、應向客戶明確揭露保險商品之性質及風險。
五、其他主管機關規定應遵行之事項。
銀行不得有下列各款之行為：
一、利用客戶之存款資料進行誤導或不當行銷方式勸誘、推介與客戶風險屬性不相符之保險商品。
二、僅以定期存款與保險商品間之報酬率為差異比較，而忽略各類商品之風險特性及產品屬性，或未就報酬與風險為衡平對稱之揭露等情事。
三、授權辦理授信或存匯業務之行員銷售投資型保險商品及具解約金之保險商品（不包括保險期間在三年以下之傷害保險及房貸壽險）並收取佣酬。
但銷售對象之要保人或被保險人為其配偶或直系血親者，不在此限。