Regulations Governing Pre-sale Procedures for Insurance Products Article 6
An insurance enterprise shall rigorously execute the following matters when undertaking research and development of insurance products:1.Assessing the appropriateness and legality of the insurance product.2.Assessing premium levels and market competitiveness.3.Assessing the feasibility of system administration.4.Assessing policy objectives and establishing feasible courses of action. Such assessment shall focus on insurance product design, devoting concrete attention to such matters as due professional care, due care of a good administrator, target market, and safeguarding of consumer interests.5.When designing an insurance product, there may not be any false, fraudulent, or exaggerated claims about the insurance enterprise's performance, or any other act sufficient to mislead other persons.6. Evaluating the effectiveness of the risk management system.7. Evaluating the potential effects and disadvantages associated with the characteristics of insurance products on customers over 65 years of age, including evaluating whether the product is suitable for selling to customers over 65 years of age.
中文原文 保險商品銷售前程序作業準則第6條
保險業進行保險商品研發時，應確實執行下列事項：
一、評估保險商品之妥適性及合法性。
二、評估保險費水準與市場競爭力。
三、評估系統行政之可行性。
四、評估政策目標並確立可行作法，對於保險商品設計之專業注意義務、善良管理人義務、目標市場及消費者權益保障等事項均應有具體構想。
五、設計保險商品時，不得有虛偽、詐欺、誇大宣傳保險業績效，或其他足致他人誤信之行為。
六、評估風險控管機制有效性。
七、評估保險商品之特性對於六十五歲以上之客戶之潛在影響及各種不利因素，包括評估是否適合銷售予六十五歲以上之客戶。
一、評估保險商品之妥適性及合法性。
二、評估保險費水準與市場競爭力。
三、評估系統行政之可行性。
四、評估政策目標並確立可行作法，對於保險商品設計之專業注意義務、善良管理人義務、目標市場及消費者權益保障等事項均應有具體構想。
五、設計保險商品時，不得有虛偽、詐欺、誇大宣傳保險業績效，或其他足致他人誤信之行為。
六、評估風險控管機制有效性。
七、評估保險商品之特性對於六十五歲以上之客戶之潛在影響及各種不利因素，包括評估是否適合銷售予六十五歲以上之客戶。