第5部份：人壽保險程序

正確答案 / Correct Answer: A

• 根據保監局的規定，長期保險的冷靜期為收到保單或冷靜期通知書後21天（以較早者為準）。
• 在冷靜期內退保，投保人可全額取回已繳保費（可能扣除因投資市場波動產生的損失，適用於投連保單）。
• 冷靜期適用於所有投保人，並非只限60歲以上。

• According to the Insurance Authority's requirements, the cooling-off period for long-term insurance is 21 days from receipt of the policy or the cooling-off reminder letter, whichever is earlier.
• If cancellation occurs during the cooling-off period, the policyholder can recover all premiums paid in full (subject to deduction of investment losses for unit-linked policies).
• The cooling-off period applies to all policyholders, not just those aged 60 or above.

正確答案 / Correct Answer: D

• 保監局的指引要求，進行保單替換時，中介人必須以書面形式提供新舊保單的比較（如保障、費用、現金價值差異），確保投保人在知情下作出決定。
• 不當替換（Churning）是指中介人為賺取佣金而建議不必要的保單替換，屬不當銷售行為。
• 投保人應充分了解替換保單的潛在損失，如新保單重設不可爭議期及失去既有保障期利益。

• The Insurance Authority's guidelines require that when handling policy replacement, intermediaries must provide a written comparison of the old and new policies (e.g. coverage, costs, cash value differences), ensuring policyholders make informed decisions.
• Churning is when intermediaries recommend unnecessary policy replacements to earn commissions, constituting a mis-selling practice.
• Policyholders should fully understand potential losses from policy replacement, such as the new incontestability period and loss of benefits from the existing policy term.