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保監局限分紅保單前期佣金上限70% 明年起生效
保監局限分紅保單前期佣金上限70%,明年1月1日起生效。 保監局發出保險公司就分紅保單向保險中介人提供酬勞結構的應用說明,要求獲保險公司向任何持牌保險中介人支付的佣金應按比例發放,前期支付佣金不得超過總佣金的70%,即就保單的銷售與安排以及於首個保單年度內支付的佣金,不得超過就該保單應付總佣金的70%,另外首個保單年度後剩餘的佣金,必須於之後最少5年(即第2至第6個保單年度)或根據繳費期限(以較短者為準)支付,並且必須在此期間平均分攤,即每年支付相同金額。 當局強調,強調佣金結構應避免前期過高支付,並鼓勵長期持續服務,以保障保單持有人利益及中介人職責的平衡。
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