Regulations Governing Insurance Brokers Article 49
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.
Independent brokers, broker companies, banks and brokers employed by broker companies or banks shall not commit any of the following acts:1. Make a false representation when applying for a practice license.2. Negotiate and conclude an insurance contract for an insurance enterprise that has not been approved and registered.3. Deliberately conceal material matters concerning an insurance contract.4. Take advantage of his or her professional or business position or use other improper means, with respect to the establishment of a contract, to coerce, induce, or restrict the freedom of a proposer, insured, or insurer, or to collect extra compensation or other benefit from them.5. Make exaggerated, false, or misleading claims or advertisements or use other improper methods when operating or practicing business or recruiting personnel.6. Use improper means to incite an insurance customer to take an action such as to surrender insurance, switch insurance policies, or take a loan.7. Misappropriate or embezzle insurance premiums, reinsurance premiums, policy proceeds or reinsurance payouts.8. Not practice oneself, but instead provide the practice license for use by another person.9. Be sentenced to punishment for embezzlement, fraud, breach of trust, or forgery.10. Operate or practice insurance business outside the scope specified on his or her practice license.11. Collect, in addition to commissions and expenses set out in the contract or commissions charged according to industry standards, and reasonable compensation for insurance-related services as provided in Article 9 of the Insurance Act, money, articles or other compensations from an insurer in the name of other expense items or of a third party, or engage in uncustomary transactions.12. By unlawful means, cause an insurer to make an improper insurance claim payment.13. Disseminate untrue statements or promotional materials, thus disturbing the financial order.14. Authorize a third party to operate or practice business on his/her/its behalf, or operate or practice business in other’s name.15. In the case of a broker company, refer an application case solicited by a broker not employed by the company or an insurance solicitor not registered under the company to an insurer, or refer an application case solicited by it to an insurer through another broker or insurance agent, unless it is a case from an independent broker who has obtained the written consent of the proposer to the effect in advance.16. Employ people who do not possess the qualifications of insurance solicitor to solicit insurance business.17. Fail to surrender or cancel practice license within the time period set out in paragraph 1 of Article 15, Article 26, paragraph 5 of Article 27, or paragraph 3 of Article 28.18. Suspend, suspend its insurance broker business in part or in whole temporarily, resume, dissolve business or terminate its insurance broker business in part or in whole at own discretion.19. A broker company or a bank engaging in broker business fails to employ another broker in accordance with Paragraph 2 of Article 7 herein when an employed broker leaves work.20. Fail to report matters prescribed by the competent authority to the brokerage association or brokers association for recordation.21. The content of advertising related to insurance products and publicity used in insurance solicitation is not provided or consented by the insurer.22. Pay commissions to insurance solicitors and their supervisors who did not actually perform the business solicitation; however the preceding provision does not apply to payments of renewal commissions to those who take over policyholder services.23. Fail to confirm the suitability of an insurance product for a specific consumer, including providing unsuitable insurance products to customers aged 65 and above.24. Sell foreign vertical settlement products that have not been approved by the competent authority.25. Submit business information and financial statements are untrue or incomplete.26. Is currently serving as an employee of an insurance enterprise or related industry association, or having been registered as an insurance solicitor.27. Urge or induce customers to rescind or terminate contracts or pay for insurance premiums by taking out a bank loan, canceling a time deposit or taking out a policy loan.28. Fill out a solicitation report dishonestly, including the report lack of the statement whether the customers aged 65 and above and purchasing the insurance products other than non-life insurance and micro-insurance has the ability to distinguish situations that are disadvantageous to their rights and interests, reasons why the insurance products suitable for the customer, and evaluation record. 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.29. Otherwise violate these Regulations or related acts or regulations.30. Any other act injurious to the image of insurance business.
中文原文 保險經紀人管理規則第49條
個人執業經紀人、經紀人公司、銀行及受經紀人公司或銀行所任用之經紀人不得有下列各款行為之一者：
一、申領執業證照時具報不實。
二、為未經核准登記之保險業洽訂保險契約。
三、故意隱匿保險契約之重要事項。
四、利用職務或業務上之便利或以其他不正當手段，強迫、引誘或限制要保人、被保險人或保險人締約之自由或向其索取額外報酬或其他利益。
五、以誇大不實、引人錯誤之宣傳、廣告或其他不當之方法經營或執行業務或招聘人員。
六、有以不當之手段慫恿保戶退保、轉保或貸款等行為。
七、挪用或侵占保險費、再保險費、保險金或再保險賠款。
八、本人未執行業務，而以執業證照供他人使用。
九、有侵占、詐欺、背信、偽造文書行為受刑之宣告。
十、經營或執行執業證照所載範圍以外之保險業務。
十一、除合約所訂定之佣金、費用或依同業標準所收取之佣酬及依保險法第九條提供保險相關服務之合理報酬外，以其他費用名目或以第三人名義向保險人收取金錢、物品、其他報酬或為不合營業常規之交易。
十二、以不法之方式使保險人為不當之保險給付。
十三、散播不實言論或文宣擾亂金融秩序。
十四、授權第三人代為經營或執行業務，或以他人名義經營或執行業務。
十五、將非所任用之經紀人或非所屬登錄之保險業務員招攬之要保文件轉報保險人或將所招攬之要保文件轉由其他經紀人或保險代理人交付保險人。
但經紀人公司收受個人執業經紀人已事先取得要保人書面同意之保件，不在此限。
十六、聘用未具保險招攬資格者為其招攬保險業務。
十七、未依第十五條第一項、第二十六條、第二十七條第五項或第二十八條第三項所定期限內，辦理繳銷或註銷執業證照。
十八、擅自停業、暫時停止一部或全部業務、復業、恢復業務、解散或終止一部或全部業務。
十九、經紀人公司或銀行經營業務後，未於所任用之經紀人離職時，依第七條第二項任用經紀人。
二十、未依主管機關所規定相關事項向經紀人商業同業公會或經紀人公會報備。
二十一、使用與保險商品有關之廣告、宣傳內容，非屬保險業提供或未經其同意。
二十二、將佣酬支付予非實際招攬之保險業務員及其業務主管。
但支付續期佣酬予接續保戶服務人員或受轉介國際保險業務分公司之保險業務而支付轉介費者，不在此限。
二十三、未確認金融消費者對保險商品之適合度，包括對於六十五歲以上之客戶提供不適合之保險商品。
二十四、銷售未經主管機關許可之國外保單貼現受益權憑證商品。
二十五、提報業務或財務報表之資料不實或不全。
二十六、任職於保險業、擔任有關公會現職人員或登錄為保險業務員。
二十七、勸誘客戶解除或終止契約，或以貸款、定存解約或保險單借款繳交保險費。
二十八、未據實填寫招攬報告書，包括對於六十五歲以上之客戶投保財產保險及微型保險以外之投保案件，未載明該客戶是否具有辨識不利其投保權益情形之能力、保險商品適合該客戶及評估理由，並做成評估紀錄。
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者，不在此限。
二十九、經紀人公司任用之人員，登錄為保險業、其他經紀人公司、保險代理人公司之保險業務員。
但聘用之保險業務員依保險業務員管理規則第十四條規定辦理者，不在此限。
三十、其他違反本規則或相關法令。
三十一、其他有損保險形象。
一、申領執業證照時具報不實。
二、為未經核准登記之保險業洽訂保險契約。
三、故意隱匿保險契約之重要事項。
四、利用職務或業務上之便利或以其他不正當手段，強迫、引誘或限制要保人、被保險人或保險人締約之自由或向其索取額外報酬或其他利益。
五、以誇大不實、引人錯誤之宣傳、廣告或其他不當之方法經營或執行業務或招聘人員。
六、有以不當之手段慫恿保戶退保、轉保或貸款等行為。
七、挪用或侵占保險費、再保險費、保險金或再保險賠款。
八、本人未執行業務，而以執業證照供他人使用。
九、有侵占、詐欺、背信、偽造文書行為受刑之宣告。
十、經營或執行執業證照所載範圍以外之保險業務。
十一、除合約所訂定之佣金、費用或依同業標準所收取之佣酬及依保險法第九條提供保險相關服務之合理報酬外，以其他費用名目或以第三人名義向保險人收取金錢、物品、其他報酬或為不合營業常規之交易。
十二、以不法之方式使保險人為不當之保險給付。
十三、散播不實言論或文宣擾亂金融秩序。
十四、授權第三人代為經營或執行業務，或以他人名義經營或執行業務。
十五、將非所任用之經紀人或非所屬登錄之保險業務員招攬之要保文件轉報保險人或將所招攬之要保文件轉由其他經紀人或保險代理人交付保險人。
但經紀人公司收受個人執業經紀人已事先取得要保人書面同意之保件，不在此限。
十六、聘用未具保險招攬資格者為其招攬保險業務。
十七、未依第十五條第一項、第二十六條、第二十七條第五項或第二十八條第三項所定期限內，辦理繳銷或註銷執業證照。
十八、擅自停業、暫時停止一部或全部業務、復業、恢復業務、解散或終止一部或全部業務。
十九、經紀人公司或銀行經營業務後，未於所任用之經紀人離職時，依第七條第二項任用經紀人。
二十、未依主管機關所規定相關事項向經紀人商業同業公會或經紀人公會報備。
二十一、使用與保險商品有關之廣告、宣傳內容，非屬保險業提供或未經其同意。
二十二、將佣酬支付予非實際招攬之保險業務員及其業務主管。
但支付續期佣酬予接續保戶服務人員或受轉介國際保險業務分公司之保險業務而支付轉介費者，不在此限。
二十三、未確認金融消費者對保險商品之適合度，包括對於六十五歲以上之客戶提供不適合之保險商品。
二十四、銷售未經主管機關許可之國外保單貼現受益權憑證商品。
二十五、提報業務或財務報表之資料不實或不全。
二十六、任職於保險業、擔任有關公會現職人員或登錄為保險業務員。
二十七、勸誘客戶解除或終止契約，或以貸款、定存解約或保險單借款繳交保險費。
二十八、未據實填寫招攬報告書，包括對於六十五歲以上之客戶投保財產保險及微型保險以外之投保案件，未載明該客戶是否具有辨識不利其投保權益情形之能力、保險商品適合該客戶及評估理由，並做成評估紀錄。
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者，不在此限。
二十九、經紀人公司任用之人員，登錄為保險業、其他經紀人公司、保險代理人公司之保險業務員。
但聘用之保險業務員依保險業務員管理規則第十四條規定辦理者，不在此限。
三十、其他違反本規則或相關法令。
三十一、其他有損保險形象。