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10Life:投連險TFCD差距可高達60% 或蠶食回報
保險產品比較平台10Life研究指,友邦(01299.HK)、保誠(02378.HK)、宏利(00945.HK)多款投連險不同產品總體收費上有重大差異,總費用及收費披露百分比最多可相差60%,對於長遠保單價值有蠶食效應。報告指,友邦卓達智悅、宏利投資計劃及及保誠雋賦投資計劃之總費用及收費披露(TFCD)百分比分別為24%、27.5%及17.2%,最高及最低相差高達60%,對於長遠保單價值有蠶食效應。。 10Life創辦人及行政總裁倫沛然表示,現時市場上投連險產品多不勝數,費用及收費卻可以有極大差異,嚴重影響回報。證監會及保監局過去致力加強投連險產品披露、設計及風險條款,以保障消費者利益。證監會於2013年實施TFCD規定,加強對投連險披露要求。
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