Regulations Governing Pre-sale Procedures for Insurance Products Article 24
After sales of an insurance product have commenced, the insurance enterprise shall convene meetings of its insurance product management team at least once every half a year to review the following product-related matters and take responding measures, and shall make any necessary adjustments and amendments:1.Compliance with applicable acts or regulations.2.Safeguarding of consumer interests, including re-examining past policyholder dispute cases and evaluating whether an insurance product involved had adverse effect on the rights and interests of customers over 65 years of age, whether the product suitability policy was followed or the fair treatment of customers principle was violated.3.Business strategy, and any potential threat to current or future solvency.4.Appropriateness of asset-liability allocation, and the implementation of the asset allocation scheme for life insurance products with insurance period over one year.5.Analysis of the pricing reasonableness of insurance products, which shall include the adequacy of the expense loading rate. An analysis of the reasonableness of the pricing of the life insurance product must be conducted in accordance with the methodology specified by the competent authority. Where the rate becomes inadequate due to the deterioration of actual incidence rate, or the premium rate tends to be high due to an improvement of the actual incidence rate, the insurance enterprise shall formulate specific response measures.6.Analysis of the concentration risk of various types of products and response measures.7.The deviations as considered by the competent authority 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. Implementation status of the review and adjustment plans for the automobile insurance (excluding compulsory automobile liability insurance) and fire insurance product rates, and the rate adjustment review period may not exceed five years.9. Establishment of statistics of non-life insurance products and the review and adjustment of rates.10. Tracking the sales amount of insurance products; where an early warning or sales limit is reached, the insurance enterprise must propose the evaluation and analysis for whether sales shall be continued.11. Analysis of the effectiveness of the reinsurance for insurance products; where the effectiveness is not shown after the sales of such products, the insurance enterprise shall formulate specific response measures.12. Other items as required by the competent authority.When the sales amount of insurance products reaches the early warning level or sales limit, the insurance enterprise shall promptly convene a meeting of its insurance product management team to discuss response measures to be adopted.Actions taken in accordance with the meetings of the insurance product management team under the preceding two paragraphs shall be submitted to the upcoming meeting of the board of directors.The insurance enterprise shall submit to the board of directors an overall assessment of the impact of the sale of insurance products on the Company's finance, business, and solvency on a regular basis each year.
中文原文 保險商品銷售前程序作業準則第24條
保險商品銷售後，保險業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，另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。
人身保險商品應另依主管機關規定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，達主管機關所定偏離程度較大者。
八、汽車保險（不含強制汽車責任保險）及火災保險商品費率檢測調整計畫之執行情形，且其費率調整期間不得逾五年。
九、財產保險商品經驗統計資料之建立及費率檢討調整執行情形。
十、保險商品銷售額度之追蹤情形。
十一、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。
十二、其他經主管機關指定之事項。
保險商品銷售額度達預警值或銷售限額時，保險業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（理）事會。
保險業每年應定期向董（理）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，另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。
人身保險商品應另依主管機關規定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，達主管機關所定偏離程度較大者。
八、汽車保險（不含強制汽車責任保險）及火災保險商品費率檢測調整計畫之執行情形，且其費率調整期間不得逾五年。
九、財產保險商品經驗統計資料之建立及費率檢討調整執行情形。
十、保險商品銷售額度之追蹤情形。
十一、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。
十二、其他經主管機關指定之事項。
保險商品銷售額度達預警值或銷售限額時，保險業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（理）事會。
保險業每年應定期向董（理）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。