Administrative Measures For The Life Insurance Company's Insurance Clauses And Insurance Rates

Original Language Title: 人身保险公司保险条款和保险费率管理办法

Subscribe to a Global-Regulation Premium Membership Today!

Key Benefits:

Subscribe Now

Read the untranslated law here: http://www.chinalaw.gov.cn/article/fgkd/xfg/gwybmgz/201209/20120900371821.shtml

Administrative measures for the life insurance company's insurance clauses and insurance rates

    (December 30, 2011, the China insurance regulatory Commission [2011] the 3rd release come into force on the date of promulgation) Chapter I General provisions

    First in order to strengthen the life insurance company (hereinafter insurer) supervision and administration of insurance clauses and insurance rates, protect the legitimate rights and interests of policyholders, insured persons and beneficiaries and protect the order of market competition, encouraging innovation of insurance companies, according to the People's Republic of China insurance (hereinafter referred to as the Insurance Act) and other relevant laws, administrative regulations, and these measures are formulated. Second, China insurance regulatory Commission (hereinafter referred to as the China insurance regulatory Commission) shall supervise and administer the insurance clauses and premium rates for insurance companies.

    Agency of the China insurance regulatory Commission Circ exercises its powers within the scope of authority. Third insurance company shall, in accordance with the Insurance Act and the relevant regulations of the China insurance regulatory Commission, fair and reasonable development of insurance clauses and insurance rates, shall be without prejudice to the legitimate rights and interests of policyholders, insured persons and beneficiaries.

    Prepared by the insurance company on the insurance clauses and premium rates assume the corresponding responsibility.

    The fourth insurance company shall, in accordance with this regulation the insurance clauses and insurance rates of China insurance regulatory Commission for approval or for the record.

    The fifth insurance company shall establish a scientific and efficient management mechanism, in line with the demand of life insurance development, tracking and analysis of operation on a regular basis, timely detection of insurance terms, premium rate problems in management and to take corresponding measures.

    Sixth insurance company shall core competitive advantages into full play, the rational allocation of corporate resources, focus on macroeconomic policies, market demand, the company's strategic objectives development of insurance coverage.

    Chapter II design and classification

    Seventh life insurance into life insurance, annuities, health insurance, accident insurance. Eighth life insurance is an insurance contract that refers to the people's life insurance.

Life into term life insurance, whole life insurance, endowment insurance, and so on.

Term insurance refers to the death of an insured person for payment of insurance conditions and insurance during the fixed period of life insurance.

Refers to the death of an insured person as whole life insurance insurance conditions and insurance to life insurance.

    Double insurance refers both to the death of the insured to pay the insurance conditions and insurance conditions for survival of life insurance to the insured.

    Nineth annuity insurance refers to insurance conditions for survival of the insured, and at agreed intervals phased payment life insurance life insurance. Tenth gold insurance refers to the old-age security in old age for the purposes of pension insurance.

Old-age pension insurance shall comply with the following conditions:

(A) the insurance contract payment life insurance the insured's age shall not be less than the retirement age prescribed by the State;

    (B) the interval between two shall not exceed one year. The 11th health insurance refers to loss due to health reasons for payment of insurance conditions of life insurance.

Health insurance is divided into health insurance, medical insurance, disability income insurance, long-term care insurance, etc.

Sickness insurance refers to the insurance contract the disease as health insurance insurance conditions.

Health care medical insurance refers to the insurance contract Act for the payment of insurance conditions, as agreed on during the medical treatment of the insured medical expenses to provide guaranteed health insurance.

Disability income insurance refers to the insurance contract disease or accidental injury results in incapacity for work to pay the insurance conditions, agreed to the insured within a certain period income reduction or interruption in the provision of guaranteed health insurance.

    Nursing care insurance refers to the insurance contract conditions of daily living barrier required to trigger payment of insurance, protection of nursing expenditures according to the agreed insured health insurance.

    12th accident insurance refers to the insured person due to accidents caused by death, disability or other insurance contract life insurance accident insurance conditions.

13th article can contain all the residual liability of life insurance and health insurance. Health insurance contains two or more health care liability, shall, in accordance with the General principles of actuarial judgment primarily responsible, and according to the main categories of liability insurance. Sickness insurance in long-term health insurance, you can include death insurance, death benefit amount may not be higher than diseases maximum benefit amount.

Other health insurance may not contain death insurance, death insurance, except for liability due to disease.

Must not include a life insurance medical insurance and sickness insurance. Accident insurance can include medical insurance from accidents.

    Contains only the result of accidental injury insurance medical insurance should be identified as health insurance.

    14th insurance company shall strictly follow the provisions of these measures life insurance, annuities, health insurance, accident insurance, classification standards, except as otherwise stipulated by the Circ.

15th life insurance policy naming should be consistent with the following format:

   "Insurance company" + "auspicious, descriptive text" + "risk category" + "(design)"

Provisions of the preceding paragraph available to the insurance company name or abbreviation; auspicious, and no more than 10 words in the descriptive text.

Additional insurance naming should be in "insurance company" post marked "plus".

    Group insurance shall be in the name of "groups".

    16th annuity pension annuity insurance category for "pension insurance", other categories of pension insurance for "annuity"; accidental injury insurance category for "accident insurance".

    The 17th design types of life insurance are divided into general, dividends, investment-linked, universal type, and so on.

    18th dividends, investment-linked and design type should be indicated in the name, universal life insurance, and ordinary life insurance need not be indicated in the name of the design type.

    Chapter III examination and approval and for the record

    Article 19th of an insurance company is responsible for the insurance clauses and insurance rates of China insurance regulatory Commission for approval or for the record.

20th the following types of insurance clauses and insurance rates of insurance companies should be submitted to the China insurance regulatory Commission for approval before being used:

(A) the social insurance of public interest;

(B) the types of compulsory insurance by law;

(C) new development stipulated by the CIRC life insurance coverage;

(D) other insurance stipulated by the Circ.

    Insurance other than those prescribed in the preceding paragraph shall be submitted to the China insurance regulatory Commission records.

21st insurance company submit the insurance clauses and premium rates for the record, shall submit the following materials:

(A) the life insurance company's insurance clauses and premium rates for the record list of submitted materials;

(B) clauses;

(C) the premium rate tables;

(D) signed by the Chief Actuary in the actuarial report;

(E) the statement of Chief Actuary;

(F) statement of legal person;

    (VII) other materials stipulated by the Circ.

22nd an insurance company shall submit the participating insurance and investment-linked insurance, universal life insurance clauses and premium rates for the record, other than the materials except as provided in articles submitted to the 21st should also submit the following documents:

(A) financial management;

(B) operations management;

(C) disclosure of information management systems;

(D) the business plan and its effect on solvency;

(E) the product specification.

Participating insurance, shall also submit the dividend calculation and allocation, income distribution and the cost-sharing principle; investment-linked life insurance and universal life insurance, should also be submitted including sales channels, marketing content such as regional sales management solution.

    Materials submitted by the insurance company and the company have the CIRC approval or for the record corresponding to similar types of exactly the same material, can be submitted from the material, it should indicate in the BOM table.

23rd article submitted to the approval of insurance clauses and insurance rates of insurance companies, in addition to the 21st (b) to (g) and the 22nd article of materials, shall also submit the following documents:

(A) the life insurance corporation insurance clauses and insurance rates of approval application form;

(B) the life insurance company's insurance clauses and insurance rates of examination and approval of sending material list;

    (C) the insurance clauses and insurance rates of the illustrative material, including insurance clauses and insurance rates of the main features, market risk and operational risk analysis, the appropriate control measures.

24th by an insurance company shall submit the following insurance clauses and insurance rates of approval or for the record, except according to the 21st, 22nd, 23rd article submitted materials, or materials shall be submitted in accordance with the following provisions:

(A) has a cash value, containing examples of cash value of written materials as well as electronic document contains the full cash value of all ages;

(B) the deduction pay provisions, containing examples of deduction paid in amount of written material, and includes the age amount is paid in full coverage of electronic documents;

(C) allow rates to float or adjustment of parameters of the CIRC, submission signed by the Chief Actuary of the floating rate management or product parameter adjustment;

    (D) period of insurance for more than one year, electronic documents submitted to the profit test models.

25th insurance company submit the insurance clauses and premium rates for approval or for the record, submit an actuarial report shall at least contain the following elements: (a) the source and pricing data base;

   (B) pricing and pricing assumptions, period of insurance for more than a year, also include the profit test parameters, test results, and the main parameters of profit sensitivity analysis;

(C) statutory reserve calculation methodology;

(D) the major risks and management advice;

(E) the Chief Actuary in particular content;

    (Vi) other content stipulated by the Circ.

26th an insurance company shall submit the following insurance clauses and insurance rates of approval or for the record, except as provided in section 25th actuarial reports submitted, but should also meet the following requirements:

(A) has a cash value, set out the method of calculating the cash value;

(B) the deduction pay terms, set out the maximum amount paid amount is calculated;

    (C) the demonstration of the interest, set out the method for calculating interest shows.

27th Circ received insurance company submit the insurance clauses and premium rates upon approval of the application shall be made according to the following circumstances:

(A) the application is not complete, from the date of receipt of the material within the 5th inform insurance companies require correction of everything at once;

    (B) the application materials are complete or correction all application materials submitted pursuant to the provisions of the insurance company, the admissibility of the application and certificate with a written document accepting the Special seal from the insurance company. 28th the CIRC shall accept insurance clauses and insurance rates of approval date of the application made within 20th approve or not to approve the decision. Cannot make a decision in the 20th, and approved by the head of the China insurance regulatory Commission, approval can be extended to 10th.

Circ extension should be informed of the reasons for insurance companies.

    Decided to approve, shall be approved by the CIRC decided to Circ proclamations or released to public on the Web site; decides not to approve, CIRC shall notify the insurer in writing, state the reasons and inform their right to apply for administrative reconsideration or bring an administrative suit right.

Circ May 29th article on examination and approval of insurance clauses and premium rates for expert review and expert review time required to inform the insurer in writing.

China insurance regulatory Commission concerning social insurance of public interest clauses and insurance rates of hearing, and in accordance with the People's Republic of China to implement the relevant provisions of the administrative licensing law. 

    Expert review and hearing time is not calculated approval within the time limit provided for in article 28th of this approach.

    30th of an insurance company in the insurance clauses and insurance rates of approval, approve, before the decision was made after the filing, of withdrawal of an approval application, shall submit a written application to the CIRC, China insurance regulatory Commission shall promptly terminate the insurance clauses and premium rates for vetting review and approval application material returned to the insurance company.

31st an insurance company insurance clauses and insurance rates of approval, approve, before the decision was made after filing, to modify the Declaration of insurance clauses and insurance rates should be applied to the China insurance regulatory Commission to withdraw approval.

    Insurance company of the circumstances prescribed in the preceding paragraph, CIRC approval period from the date of receipt of the full application of the modified recalculated.

    32nd of an insurance company is not approved insurance clauses and insurance rates can be modified again submitted to the China insurance regulatory Commission for approval.

    33rd insurance company submit the insurance clauses and premium rates for the record, not later than the 10th after use.

Article 34th Circ upon receipt of the filing shall be made according to the following circumstances:

(A) the record is not complete, inform the insurance company corrected all the archival materials in the 10th;

(B) the archival materials are complete or all the correct materials in accordance with provisions of insurance companies, filing archives and record receipts issued by the insurance company;

    (C) the found records of insurance clauses and insurance rates insurance code article 137th, ordered insurance companies to stop using them immediately.

    The fourth chapter changes and stop using

    35th insurance company changes are for approval or for the record the insurance clauses and premium rates, change their insurance liability, insurance category, or pricing, insurance clauses and insurance rates of return should be submitted for approval or for the record.

Article 36th changes are for approval or for the record the insurance clauses and premium rates, without changing the insurance liability, insurance category, and pricing methods, should be changed within 10th of China insurance regulatory Commission records, and submit the following materials:

(A) of the list of changes for the record submitted material;

(B) reason for change, comparison of major changes;

(C) have approval or for the record the insurance clauses;

(D) change of related materials;

(E) the statement of Chief Actuary;

(F) statement of legal person;

(VII) other materials stipulated by the Circ.

    Insurance company name change name change of life insurance, but other content has not changed, you can submit the preceding paragraph (c), (d) and (e) provision of material.

   37th nationwide at an insurance company decides to stop using the insurance clauses and insurance rates, you should stop using in the 10th after reporting to the CIRC, explains why stop using relevant measures, follow-up services and copied to the original report using the regional agency of the China insurance regulatory Commission.

The insurance company decided to stop using them in certain areas of insurance clauses and insurance rates, not to stop using misleading insurance clauses and insurance rates of promotion and sales.

    Insurance company branches of branches at the provincial level and below, not decided to stop using the insurance clauses and premium rates.

    38th insurance company decided to sell had stopped using insurance clauses and insurance rates, should be re-sale in the 10th after reporting to the CIRC, account for reuse, management plans, and so on, and copied the report intends to use regional agency of the China insurance regulatory Commission.

    Fifth chapter Chief Actuaries and legal responsibility

39th total actuary of an insurance company shall submit or record the insurance clauses and premium rates issued total actuarial statement and sign the relevant actuarial report, floating rate management or product parameter adjustment.

Chief Actuary of an insurance company submitted for approval or for the record the insurance clauses and premium rates assume the following responsibilities:

(A) the classification, named in accordance with the regulations;

(B) the actuarial report is complete;

(C) actuarial assumptions and actuarial methods in accordance with actuarial principles and actuarial provisions of the Circ;

(D) demonstration of the interest risk, demonstration of interest consistent with actuarial principles and relevant provisions of the Circ;

(E) the insurance premium rate is reasonable, meet the adequacy, appropriateness and fairness;

    (Vi) other responsibilities stipulated by the Circ. 40th insurance company submit the insurance clauses and premium rates for approval or for the record, should specify the legal responsibility, and approved by the China insurance regulatory Commission.

    Without a qualification approved by the China insurance regulatory Commission, appointed by the insurance company shall not engage in any form of legal responsibility.

41st designated by the insurance company legal person shall comply with the following conditions:

(A) in the People's Republic of China territory of residence;

(B) Bachelor's degree or above;

(C) with Chinese lawyers or legal profession qualification certificate;

(D) belong to the company staff, and department heads and above positions within the company;

(E) has more than 5 years national insurance or legal experience, including more than three years of legal experience in the insurance industry;

(F) in the past 3 years have not been subject to administrative punishment for illegal practice;

(VII) not subjected to criminal punishment;

    (VIII) other conditions stipulated by the Circ.

42nd insurance company legal person shall perform the following duties:

(A) participate in the development of life insurance development strategy;

(B) audit clauses related materials;

(C) regular analysis of cases of litigation by insurance terms;

(D) timely reporting to the CIRC insurance provisions of the major potential risk;

    (E) the CIRC or other duties stipulated by insurance regulations.

43rd insurance company liability shall submit to approval or for the record the insurance clauses statement of legal responsibility, and assume the following responsibilities:

(A) the insurance provisions are fair and reasonable, without prejudice to the public interest, does not infringe upon the legitimate rights and interests of policyholders, insured persons and beneficiaries;

(B) the insurance clauses text accurate and rigorous;

(C) the product manuals, product manuals in line with provisions, comprehensive, authentic, in line with relevant regulations of the China insurance regulatory Commission;

(D) insurance provisions in conformity with the Insurance Act and other laws, administrative regulations and the relevant regulations of the China insurance regulatory Commission;

    (E) other responsibilities stipulated by the Circ.

44th insurance company legal person qualification approved by the Declaration, shall be filed with the China insurance regulatory Commission to submit two copies of the following materials:

(A) of the legal person qualification application form;

(B) the proposed identity proof and address proof;

(C) copies of diploma and professional qualification;

(D) experience prove;

    (V) other materials stipulated by the Circ.

    45th insurance company shall strengthen the legal responsibility for management, establishing a legal system of person liable, liable to the legal responsibility to provide the information necessary for the job and ensure that legal responsibility to independently carry out their duties.

Article 46th legal responsibility by resignation, dismissal or removal from Office and other reasons, the insurance company shall approve the resignation or removal from Office, removal from Office, decides within 30th of, reporting to the CIRC, and submit the following materials:

(A) the legal responsibility was removed from Office or dismissed reasons;

(B) removal from Office resignation, removal from Office or approved copy of the relevant decision;

    (C) the law left to the responsible reporting or the insurance company is not responsible for the departure report of legal description of turnover made reports.

    The sixth chapter legal liability

    47th an insurance company fails to comply with the requirements for approval of insurance clauses and insurance rates, 165th by CIRC in accordance with the Insurance Act for punishment.

48th of an insurance company's insurance clauses and insurance rates of any of the following circumstances, be ordered by the China insurance regulatory Commission to stop using, modifying the deadline are serious, you can prohibit reporting within a certain period of insurance clauses and insurance rates of:

(A) harm the public interest;

(B) the content of unconscionability or form a cartel, against the legitimate rights and interests of the policyholder, the insured or a beneficiary;

(Iii) improper design or rate articles, may endanger the solvency of insurance companies;

    (D) violation of laws, administrative regulations or other provisions of the China insurance regulatory Commission.

49th insurance company, one of the following acts, by the China insurance regulatory Commission sanction pursuant to section 171th of the Insurance Act:

(A) failing to submit insurance clauses and insurance rates for the record;

(B) failing to submit to stop using the insurance clauses and premium rates related reports;

    (C) failing to submit or storage and insurance clauses, insurance rates and other related materials, documents, reports, statements, or failing to provide relevant information and materials.

50th of an insurance company, one of the following acts, by the China insurance regulatory Commission sanction pursuant to section 172th of the Insurance Act:

(A) submit for approval and record the insurance clauses and premium rates, preparation of reports, statements, documents, or provide false information;

(B) the Declaration approved legal responsibility when preparing reports, statements, documents, or provide false information;

    (C) is not used in accordance with the provisions of the approval or for the record the insurance clauses and insurance rates.

    51st an insurance company violates these measures the 37th article of the warning by the China insurance regulatory Commission, fined a maximum of 30,000 yuan.

    52nd insurance company to stop using the insurance clauses and premium rates for selling misleading, by the China insurance regulatory Commission sanction pursuant to section 162th of the Insurance Act.

    53rd insurance company violates these rules, liability person appointed does not have the qualifications, 169th by CIRC in accordance with the Insurance Act for punishment.

    The seventh chapter by-laws

54th Circ for total insurance company actuary, law otherwise provides, apply its provisions.

    Administration of insurance clauses and insurance rates of group insurance, otherwise provided by the China insurance regulatory Commission, to apply its provisions.

    55th working days the period specified herein.

    56th article of the approach by the China insurance regulatory Commission is responsible for the interpretation. 57th herein from the date of promulgation for implementation. China CIRC on March 23, 2000 released of life insurance products named provisional approach (insurance prison sent [2000]42,), and on May 16, 2000 released of on release short-term accident insurance rates and the simplified short-term accident insurance record procedures of notification (insurance prison sent [2000]78,), and on June 30, 2004 released of life insurance products approval and record management approach (CIRC makes [2004]6,) and on July 1, 2004 released of on Straddling

Life insurance products examination and approval and for the record management notice on several issues (OCI [2004]76) repealed simultaneously.
Annex 1: life insurance company's insurance clauses and insurance rates of approval application form
┌───────┬───────────────────────────┐
│   公司名称   │                                                      │
├───────┼───────────────────────────┤
│   险种名称   │                                                      │
├───────┼───────────────────────────┤
│   险种类别   │                                                      │
├───────┼───────────────────────────┤
│   销售渠道   │                                                      │
├───────┼───────────────────────────┤
│   报送日期   │                                                      │
├───────┼───────────────────────────┤
│申请审批的主要│                                                      │
│     原因     │                                                      │
├───────┼───────────────────────────┤
│   保险责任   │                                                      │
├───────┼───────────────────────────┤
│   责任免除   │                                                      │
├───────┴───────┬───────────────────┤
│ Company │ Circ symbol and seal of the company to accept time and seal │
│                              │                                      │
│                              │                                      │
│                              │                                      │
│            年    月    日    │                    年    月    日    │

└───────────────┴───────────────────┘
Annex 2: life insurance company insurance clauses and insurance rates of approval submit the materials list
┌──────┬──────────────────────────────┐
│  公司名称  │                                                            │
├──────┼──────────────────────────────┤
│  险种名称  │                                                            │
├──────┼──────────────────────────────┤
│  险种类别  │                                                            │
├──────┼──────────────────────────────┤
│  销售渠道  │                                                            │
├──────┼──────────────────────────────┤
│  报送日期  │                                                            │
├──────┴────────────────┬─────────────┤
│                                              │       材料齐全检查       │
│                 报送材料清单                 ├──────┬──────┤
│                                              │  公司报送  │保监会核实  │ ├───────────────────────┼──────┼──────┤
│ 1, life insurance company's insurance clauses and insurance rates of approval application form │││
├───────────────────────┼──────┼──────┤
│ 2, life insurance company's insurance clauses and insurance rates of approval of sending material │││
│清单表                                        │            │            │
├───────────────────────┼──────┼──────┤
│ 3, insurance clauses and insurance rates of explanatory material │││
├───────────────────────┼──────┼──────┤
│4、保险条款                                   │            │            │
├───────────────────────┼──────┼──────┤
│5、保险费率表                                 │            │            │
├───────────────────────┼──────┼──────┤
│6、现金价值表(示例)#                        │            │            │
├───────────────────────┼──────┼──────┤
│7、减额交清保额表(示例)#                    │            │            │
├───────────────────────┼──────┼──────┤
│ 8, floating rate management approach (or product parameter adjustments, total │││
│精算师签字)#                                 │            │            │
├───────────────────────┼──────┼──────┤
│9、精算报告(须总精算师签字)                 │            │            │
├───────────────────────┼──────┼──────┤
│ 10, total actuarial statement (total actuarial sign) │││
├───────────────────────┼──────┼──────┤
│ 11, responsible for the legal declaration (signature of legal responsibility) │││
├───────────────────────┼──────┼──────┤
│12、财务管理办法#                             │            │            │
├───────────────────────┼──────┼──────┤
│13、业务管理办法#                             │            │            │
├───────────────────────┼──────┼──────┤
│14、信息披露管理制度#                         │            │            │
├───────────────────────┼──────┼──────┤
│ 15, business plan and its effect on the solvency of the # │││
├───────────────────────┼──────┼──────┤
│16、产品说明书文稿#                           │            │            │
├───────────────────────┼──────┼──────┤
│ 17, participating insurance dividend calculation and distribution │││
├───────────────────────┼──────┼──────┤
│ 18 income distribution and bonus insurance and cost-sharing principle, │││
├───────────────────────┼──────┼──────┤
│ 19, profit model of electronic document # │││
├───────────────────────┼──────┼──────┤
│ 20, other materials stipulated by the Circ # │││
├───────────────────────┴──┬───┴──────┤
│公司声明:                                          │保监会备注:        │
│ Company insurance clauses and insurance rates of the XX is not against the law you corporate law compliance, administrative regulations, │ │
│ Or other provisions of the CIRC; does not harm the public interest does not exist │ insurance clauses and insurance │
│ Unconscionability or price monopoly situations, does not infringe upon the applicant, │ rate may not infringe upon the applicant, │
│ The legal rights of the insured or the beneficiary; design or rate articles suitable │ │ by insured or a beneficiary                          │ When, without jeopardizing the solvency of the company.          │ Legal rights.

│公司文号:                    公司印章              │                    │
│                                      年   月   日  │      年   月   日  │
└──────────────────────────┴──────────┘
    Note: 1, the # materials provided for specific types of materials;
    2, 17th, 18 only on participating insurance requirements;
    3, the company's statement of "XX" for the type name;

4 and the insurance company reported "materials are complete check" item should be "company submitted" column fill out submission number, if no, indicate the reason.
Annex 3: life insurance company the insurance clauses and premium rates for the record submitted material list
┌──────┬──────────────────────────────────┐
│  公司名称  │                                                                    │
├──────┼──────────────────────────────────┤
│  险种名称  │                                                                    │
├──────┼────────────┬──────────┬──────────┤
│  险种类别  │                        │     销售渠道       │                    │
├──────┼────────────┼──────────┼──────────┤
│  销售时间  │                        │     报送日期       │                    │
├──────┴────────────┴──────────┼──────────┤
│                                                            │    材料齐全检查    │
│                        报送材料清单                        ├────┬─────┤
│                                                            │公司报送│保监会核实│
├──────────────────────────────┼────┼─────┤
│ 1, life insurance company the insurance clauses and premium rates for the record submitted to the BOM table │││
├──────────────────────────────┼────┼─────┤
│2、保险条款                                                 │        │          │
├──────────────────────────────┼────┼─────┤
│3、保险费率表                                               │        │          │
├──────────────────────────────┼────┼─────┤
│4、现金价值表(示例)#                                      │        │          │
├──────────────────────────────┼────┼─────┤
│5、减额交清保额表(示例)#                                  │        │          │
├──────────────────────────────┼────┼─────┤
│ 6, floating rate management approach (or product parameter adjustments, total actuarial sign) # │││
├──────────────────────────────┼────┼─────┤
│7、精算报告(须总精算师签字)                               │        │          │
├──────────────────────────────┼────┼─────┤
│ 8, total actuarial statement (total actuarial sign) │││
├──────────────────────────────┼────┼─────┤
│ 9, responsible for the legal declaration (signature of legal responsibility) │││
├────┬─────────────────────────┼────┼─────┤
│ │ Participating insurance, universal life insurance, investment-linked insurance financial management │││
│10、分红├─────────────────────────┼────┼─────┤
│ │ Participating insurance, universal life insurance, investment-linked insurance business management │││
│保险、万├─────────────────────────┼────┼─────┤
│ │ Participating insurance, universal life insurance, investment-linked insurance information disclosure management system │││
│能保险、├─────────────────────────┼────┼─────┤
│ │ Participating insurance, universal life insurance, investment-linked insurance product specification documents │││
│投资连结├─────────────────────────┼────┼─────┤
│ │ Dividend calculation and allocation of dividends insurance │││
│保险的其├─────────────────────────┼────┼─────┤
│ │ Participating insurance and cost-sharing principle of income distribution │││
│他材料  ├─────────────────────────┼────┼─────┤
│ │ Universal insurance and investment-linked insurance sales management │││
├────┴─────────────────────────┼────┼─────┤
│11、利润测试模型的电子文档#                                 │        │          │
├──────────────────────────────┼────┼─────┤
│ 12, other materials stipulated by the Circ # │││
├──────────────────────────────┼────┴─────┤
│公司声明:                                                  │保监会备注:        │
│ Company insurance clauses and insurance rates of the XX does not violate laws, administrative regulations, or the Chinese │ corporate law compliance you │
│ Other insurance provisions do not harm the public interest; there is no unfair or │ insurance clauses and insurance ¦
│ Price monopoly situation does not violate the legal rights of an applicant, an insured or a beneficiary │ rate may not infringe upon the applicant, │        │ Benefits; design or rate the appropriate articles, not to endanger the solvency of the company.
│ │ By insured or a beneficiary          │                                                            │合法权益。

│公司文号:                        公司印章                  │                    │
│                                          年   月   日      │       年   月   日 │
└──────────────────────────────┴──────────┘
    Note: 1, the # materials provided for specific types of materials;
    2, insurance companies to fill "sale", if you have not yet sold the completed "not sold" has sold complete to start the date of sale;
    3, 10th only for participating insurance, universal life insurance, investment-linked insurance requirements:
    4, the company's statement of "XX" for the type name;

5 and the insurance company reported "materials are complete check" item should be "company submitted" column fill out submission number, if no, indicate the reason.
Annex 4: change filing submitted to the Bill of materials table
┌─────────┬──────────────────────────┐
│     公司名称     │                                                    │
├─────────┼──────────────────────────┤
│     险种名称     │                                                    │
├─────────┼─────────┬────────┬───────┤
│     险种类别     │                  │    销售渠道    │              │
├─────────┼─────────┼────────┼───────┤
│ │ │ │ Submit previous approval or for the record time date │
├─────────┴─────────┴───┬────┴───────┤
│                                              │      材料齐全检查      │
│                 报送材料清单                 ├────┬───────┤
│                                              │公司报送│  保监会核实  │
├───────────────────────┼────┼───────┤
│1、变更备案报送材料清单表                     │        │              │
├───────────────────────┼────┼───────┤
│ 2, reason for change, the main change compared descriptions of the content of │││
├───────────────────────┼────┼───────┤
│ 3 insurance provisions, have approval or for the record │││
├─────────────────┬─────┼────┼───────┤
│                                  │  材料1   │        │              │
│ 4, after change of related materials (Note each ├------┼ ┼-----------┤
│料的名称)                        │  材料2   │        │              │
│                                  ├─────┼────┼───────┤   │                                  │  … …
│        │              │
├─────────────────┴─────┼────┼───────┤
│ 5, total actuarial statement (total actuarial sign) │││
├───────────────────────┼────┼───────┤
│ 6, responsible for the legal declaration (signature of legal responsibility) │││
├───────────────────────┼────┼───────┤
│ 7, other materials stipulated by the Circ # │││
├───────────────────────┴─┬──┴───────┤
│公司声明:                                        │保监会备注:        │
│ Company insurance clauses and insurance rates of the XX is not against the law, the administrative law │ corporate law compliance you │
│ Rules or other provisions of the CIRC; does not harm the public interest insurance clauses and insurance is not │ │
│ Content of unconscionability or price monopoly exists, does not insure against │ rates shall not be insured against │
│ People, the legitimate rights and interests of the insured or the beneficiary; design or rate articles │ person, insured or beneficiary │                  │ Determine appropriate, without jeopardizing the solvency of the company.      │ Human rights.

│公司文号:                  公司印章              │                    │
│                                    年   月   日  │      年   月   日  │
└─────────────────────────┴──────────┘
    Note: 1, the # materials provided for specific types of materials; 2, and previous approval or record time: by China Circ approval of insurance terms and premium rate, approval time for China Circ reply file of time; on July 1, 2004 zhiqian submitted China Circ record of insurance terms and premium rate, record time for China Circ record the insurance species of time (to record table in the about time for associate); on July 1, 2004 zhihou submitted China Circ record of insurance terms and premium rate,
    Record time for insurance companies to submit the insurance time (the submission date in the list shall prevail);
    Number 3, if the material change, material changes one by one should be listed in list of submitted materials, and indicate the name of material;
    4, insurance company changes its name to change the name, but other content has not changed, and may not be submitted to the 3rd, 4, 5 material;
    5, the company's statement of "XX" for the type name;

6 and the insurance company reported "materials are complete check" item should be "company submitted" column fill out submission number, if no, indicate the reason.
Annex 5: legal person qualification application form
┌──────┬────┬────┬───┬────┬────┬───────┐
│  姓    名  │        │性    别│男/女│民    族│        │              │
├──────┼────┼────┼───┼────┼────┤              │
│ │ │ │ │ │ The political landscape of birth nationality ¦ photos ¦
├──────┼────┼────┼───┴────┴────┤              │
│  护照号码  │        │身份证号│                          │              │
├──────┼────┼────┼─────────────┴───────┤
│  学    历  │        │专    业│                                          │
├──────┼────┼────┼────────┬────┬───────┤
│  专业资格  │        │专业资格│                │专业资格│              │
│            │        │授予单位│                │授予时间│              │
├──────┼────┴────┴────────┴────┴───────┤
│  现任职务  │                                                              │
├──────┼────┬────┬────────┬────┬───────┤
│  办公电话  │        │移动电话│                │传    真│              │
├──────┴┬───┴────┴────────┴────┴───────┤
│通讯地址及邮编│                                                            │
├───────┼──────────────────────────────┤
│   家庭住址   │                                                            │
├────┬──┼─────────┬────────┬───────────┤
│        │起止│     院    校     │    专    业    │       学    历       │ │学习经历│年月│                  │                │                      │
│        ├──┼─────────┼────────┼───────────┤
│        │    │                  │                │                      │
├────┼──┼─────────┴────────┼───────────┤
│        │起止│           工作单位、部门           │       职    务       │
│工作经历│年月│                                    │                      │
│        ├──┼──────────────────┼───────────┤
│        │    │                                    │                      │
├────┴──┼──────────────────┴───────────┤
│              │1、以上内容真实;                                           │
│ │ 2, XX in the past three years have not been subject to administrative punishment for illegal practice; │
│              │3、××未受过刑事处罚;                                     │                           │ │ 4, my company agree that XX law responsible.

│保险公司意见  │                                                            │
│              │                                                            │
│              │                                                            │
│              │                               单位公章                     │
│              │                                                            │
│              │                                         年    月    日     │
    └───────┴──────────────────────────────┘

Note: fill in if there are no corresponding content when you write "none".
Attachment: statement of Chief Actuary
    The China insurance regulatory Commission:
    I have been performing on XX XX insurance company insurance clauses and insurance rates of actuarial audit responsibilities, confirm the following:
    First, the classification and naming in line with relevant regulations of the China insurance regulatory Commission;
    Second, actuarial report content is complete;
    Third, the actuarial assumptions and actuarial methods in line with the General actuarial principles and actuarial provisions of the Circ;
    Four, demonstration of interest in accordance with actuarial principles and the relevant regulations of the China insurance regulatory Commission, (this section applies to a demonstration of the interest coverage)
    Five, the insurance premium rate is reasonable, meet the adequacy, appropriateness and fairness;
                                                        VI other matters that require special declarations.
                                                        Chief Actuary:
    Year month day
    Note:

The insurance clauses and premium rates submitted for approval, or in accordance with this article 36th submission filing, Chief Actuary in accordance with the measures of Chief Actuary shall bear responsibility requirements and circumstances issue a statement; for other insurance clauses and premium rates for the record, issued by the Chief Actuary should be strictly in accordance with the format statement.
Attachment: statement of legal person
    The China insurance regulatory Commission:
    I have been performing on XX XX insurance company insurance functions of the legal review articles, confirm the following:
    And insurance terms are fair and reasonable, without prejudice to the public interest, does not infringe upon the legitimate rights and interests of policyholders, insured persons and beneficiaries;
    Second, insurance clauses text accurately, rigorous;
    III, product specification in accordance with provisions, comprehensive, authentic, in line with relevant regulations of the China insurance regulatory Commission, (this section applies to insurance product specifications)
    Four, insurance provisions in line with the People's Republic of China insurance law and other laws, administrative regulations and the relevant provisions of the China insurance regulatory Commission;
                                                      Five, other matters that require special declarations.
                                                      Legal person responsible:
    Year month day
    Note: The insurance clauses and premium rates submitted for approval, or in accordance with this article 36th submissions filed, legal responsibility in accordance with this approach to liability shall bear responsibility requirements and circumstances issue a statement; for other insurance clauses and premium rates for the record, legal liability shall be strictly in accordance with the format statement.