Regulations Governing Insurance Brokers 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.
Broker companies and banks shall conduct phone call, video call or remote interview of their customers regarding the following matters before they refer the application case to the insurer to complete the underwriting process:1. Confirm that the solicitation process is in compliance with Subparagraphs 5, 6 and 8, Paragraph 1, Article 6 of the Regulations Governing Business Solicitation, Policy Underwriting and Claim Adjusting of Insurance Enterprises.2. 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 customer shall be informed of associated risks and maximum possible loss.3. For customers whose source of funding for insurance premiums payment is the termination of a contract, the customer 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.4. 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 broker company or a bank delivers relevant application documents to the insurer for change of proposer or beneficiary, policy loan or termination of part or whole of the insurance contract, it should, before the insurer completes the relevant operation, conduct a phone call, video call or remote interview of the customer to confirm his/her real intent.The types and percentage of insurance cases requiring a phone call, video call or remote interview under Paragraph 1 and the preceding paragraph shall be prescribed by the competent authority.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. For the following customers, a bank shall assign a staff not from the sales department to conduct a phone call, video call or remote interview mentioned in Paragraph 1 hereof for all such application cases, to which the provisions set forth in accordance with the preceding paragraph on the types and percentage of insurance cases do not apply:1. For customers whose source of funds for premiums payment is the termination of an insurance contract, a bank loan, a time deposit canceled early without penalty or a policy loan.2. For customers aged 65 and above and purchasing the insurance product with possible disadvantages to their rights and interests. 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.The requirements set forth in subparagraph 2 to 4 of paragraph 1 and preceding paragraph regarding to conduct a phone call, video call or remote interview are not applicable to the cases where customers who are 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.The provisions of the preceding two paragraphs apply mutatis mutandis to insurance agent companies invested and established by a financial holding company or a bank.When a broker company and 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 should, 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.When a broker company and a bank shall tape record the entire phone call, video call or remote interview 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.
中文原文 保險經紀人管理規則第33-1條
經紀人公司及銀行將要保文件送交保險業完成核保作業前，應就下列事項，對客戶進行電話、視訊或遠距訪問：
一、確認符合保險業招攬及核保理賠辦法第六條第一項第五款、第六款及第八款所定事項。
二、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險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。
三、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，應明確向其告知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。
四、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經紀人公司及銀行已依所合作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。
經紀人公司及銀行將有關文件送交保險業辦理要保人或受益人變更、保險單借款及終止一部或全部契約之申請，應於保險業完成作業前對客戶進行電話、視訊或遠距訪問，以確認其本意。
第一項及前項電話、視訊或遠距訪問之保險種類及比例，由主管機關另定之。
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。
對於下列客戶應指派非銷售部門之人員，就全部要保案件辦理第一項電話、視訊或遠距訪問，不適用前項所定保險種類及比例之規定：
一、繳交保險費之資金來源為解約、貸款之、定存解約利息免打折或保險單借款之要保人及實際繳交保險費之人。
二、對於年齡六十五歲以上且所購買保險商品有不利於其投保權益之客戶。
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經紀人公司及銀行已依所合作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。
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，不適用第一項第二款至第四款及前項客戶電話、視訊或遠距訪問之規定。
金融控股公司或銀行轉投資成立之保險經紀人公司準用前二項規定。
經紀人公司及銀行發現電話、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。
經紀人公司及銀行針對電話、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。
經紀人公司及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，其已依所合作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，不適用第一項第四款及第四項第二款之規定。
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，不適用第一項第一款至第三款、第四項第一款及第四十九條第二十七款之規定。
一、確認符合保險業招攬及核保理賠辦法第六條第一項第五款、第六款及第八款所定事項。
二、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險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。
三、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，應明確向其告知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。
四、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經紀人公司及銀行已依所合作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。
經紀人公司及銀行將有關文件送交保險業辦理要保人或受益人變更、保險單借款及終止一部或全部契約之申請，應於保險業完成作業前對客戶進行電話、視訊或遠距訪問，以確認其本意。
第一項及前項電話、視訊或遠距訪問之保險種類及比例，由主管機關另定之。
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。
對於下列客戶應指派非銷售部門之人員，就全部要保案件辦理第一項電話、視訊或遠距訪問，不適用前項所定保險種類及比例之規定：
一、繳交保險費之資金來源為解約、貸款之、定存解約利息免打折或保險單借款之要保人及實際繳交保險費之人。
二、對於年齡六十五歲以上且所購買保險商品有不利於其投保權益之客戶。
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經紀人公司及銀行已依所合作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。
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，不適用第一項第二款至第四款及前項客戶電話、視訊或遠距訪問之規定。
金融控股公司或銀行轉投資成立之保險經紀人公司準用前二項規定。
經紀人公司及銀行發現電話、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。
經紀人公司及銀行針對電話、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。
經紀人公司及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，其已依所合作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，不適用第一項第四款及第四項第二款之規定。
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，不適用第一項第一款至第三款、第四項第一款及第四十九條第二十七款之規定。