中国保监会2004第6号令

颁布日期：20040630 　实施日期：20040701 　颁布单位：中国保险监督管理委员会

　　Administrative¹ Measures on Examination，

　　Approval and Filing of Personal Insurance Products

　　（The CIRC Ordinance² No. 2004-6）

　　Reviewed and adopted at the Chairmen Meeting of the China Insurance Regulatory Commission on June 29， 2004， the Administrative Measures on Examination， Approval and Filing of Personal Insurance Products is hereby promulgated³ and shall be effective as of July 1， 2004.

　　Date： June 30， 2004

　　Administrative Measures on Examination，

　　Approval and Filing of Personal Insurance Products

　　Chapter 1 General Provisions

　　Article 1

　　These Measures are formulated⁴ in accordance with relevant stipulations of the Insurance Law of the People‘s Republic of China in order to standardize⁵ the administration of examination， approval and filing of the products developed and designed by personal insurance companies.

　　Article 2

　　The “products” in these Measures refer to the personal insurance products developed and designed by a personal insurance company （hereinafter referred to as “insurance company”） engaged in the business of life insurance， health insurance and accident insurance etc.

　　Article 3

　　An insurance company shall develop products in accordance with laws， administrative regulations and relevant stipulations of the CIRC， and take corresponding responsibilities for the products.

　　Article 4

　　The China Insurance Regulatory Commission （hereinafter referred to as the “CIRC”） examines， approves and keeps record of products of an insurance company in files according to law.

　　Article 5

　　The CIRC is responsible for routine supervision⁶ over products of an insurance company.

　　Chapter 2 Scope of Examination， Approval and Filing

　　Article 6

　　The following products of an insurance company shall be subject to the CIRC‘s examination and approval：

　　1. Products considered by the CIRC as products related to the public interest；

　　2. Compulsory⁷ insurance products prescribed in law；

　　3. Products considered by the CIRC as newly-developed life insurance products.

　　Article 7

　　Products other than those specified⁸ in Article 6 shall be subject to filing with the CIRC.

　　Article 8

　　The CIRC specifies⁹ the scope of products subject to examination and approval according to law and may adjust the scope according to the actual situation.

　　Article 9

　　Where an insurance company intends to make changes to a product that has been examined and approved by or filed with the CIRC， the company shall re-apply for examination， approval or filing.

　　Chapter 3 Materials to Be Submitted for Examination， Approval and Filing

　　Article 10

　　An insurance company shall submit the application materials for examination， approval or filing to the CIRC in accordance with these Measures and be responsible for the authenticity¹¹ and completeness of the substantial contents of the materials.

　　Article 11

　　When applying for examination and approval of a product， an insurance company shall submit the following materials to the CIRC in duplicate：

　　1. “Application Form for Examination and Approval of Personal Insurance Products”；

　　2. “List of Application Materials to Be Submitted for Examination and Approval of Personal Insurance Products”；

　　3. Explanatory materials for application of product examination and approval， which shall specify¹² the main features of the product and the reasons for application for examination and approval；

　　4. Insurance clauses；

　　5. Product premium¹³ rate table；

　　6. For a product with cash value， paper files containing cash value table （examples） and electronic files containing the complete table of cash value for all ages must be submitted；

　　7. Actuarial report of the product issued by the responsible actuary of the company；

　　8. Statement of the responsible actuary of the company；

　　9. Statement of the legally responsible person of the company；

　　10. Feasibility report of the product；

　　11. Sales management measures， which shall include product sales channels， territorial¹⁴ sales management measures and etc.；

　　12. Financial management measures；

　　13. Business management measures；

　　14. Management system for information disclosure；

　　15. Text of product description；

　　16. CD or floppy¹⁶ disk（s） containing electronic files of all materials to be submitted；

　　17. Other materials required by the CIRC.

　　Article 12

　　For an application for examination and approval of a participating product， the following materials in duplicate shall be submitted in addition to those specified in Article 11：

　　1. Dividend¹⁷ calculation and distribution methods；

　　2. Principles of distribution of income and apportionment of expenses.

　　Article 13

　　When applying for filing of a product， an insurance company shall submit the following materials to the CIRC in duplicate：

　　1. “List of Application Materials to Be Submitted for Filing of Personal Insurance Products”；

　　2. Insurance clauses；

　　3. Table of premium rates of the product；

　　4. For a product with cash value， paper files containing cash value table （examples） and electronic files containing the complete table of cash value for all ages must be submitted；

　　5. Actuarial report of the product issued by the responsible actuary of the company；

　　6. Statement of the responsible actuary of the company；

　　7. Statement of the legally responsible person of the company；

　　8. For a product with description， text of the product description shall be submitted；

　　9. CD or floppy disk（s） containing electronic files of all materials to be submitted；

　　10. Other materials required by the CIRC.

　　Article 14

　　For an application for filing of participating products， the following materials in duplicate shall be submitted in addition to those specified in Article 13：

　　1. Financial management measures；

　　2. Business management measures；

　　3. Management system for information disclosure；

　　4. Dividend calculation and distribution methods；

　　5. Principles of distribution of income and apportionment of expenses.

　　Article 15

　　When applying for filing of a universal or unit-linked product， an insurance company shall submit the following materials in duplicate in addition to those specified in Article 13：

　　1. Feasibility report of a product；

　　2. Sales management measures， which shall include product sales channels， territorial sales management measures and etc.；

　　3. Financial management measures；

　　4. Business management measures；

　　5. Management system for information disclosure；

　　Article 16

　　Actuarial report shall include the following contents：

　　1. Data source and pricing assumption choice；

　　2. Premium rate calculation report， which shall include pricing method and actuarial formula； the responsible actuary must demonstrate and explain the reasonableness of the rates；

　　3. For a product to which a floating rate is applicable under relevant stipulations of the CIRC， the management measures for the floating rates of the product shall be submitted.

　　4. For a product with cash value， the cash value calculation method shall be submitted；

　　5. Reserves calculation method；

　　6. Main risks of a product and corresponding management suggestions；

　　7. For a product with benefit presentation， the calculation method for the contents of the presentation shall be submitted；

　　8. Special contents that the responsible actuary needs to illustrate¹⁸；

　　9. Other contents specified by the CIRC.

　　Article 17

　　Where the following materials of a product are identical with corresponding materials of a similar product which has been examined and approved by or filed with the CIRC， the insurance company can be exempted¹⁹ from submitting those materials， but it shall explain the reason in the list of materials：

　　1. Financial management measures；

　　2. Business management measures；

　　3. Management system for information disclosure；

　　4. Dividend calculation and distribution methods for a participating product；

　　5. Principles of distribution of income and apportionment of expenses for a participating product.

　　Chapter 4 Procedures for Examination， Approval and Filing

　　Article 18

　　An application for examination and approval or filing of a product must be proposed to the CIRC by the head office of an insurance company.

　　Article 19

　　For a product subject to examination and approval， the insurance company shall submit the application materials for examination and approval to the CIRC before the product is sold， and selling of the product is only allowed after it is approved by the CIRC.

　　Article 20

　　Upon receiving the application materials for product examination and approval submitted by an insurance company， the CIRC shall issue a receipt to the insurance company.

　　Article 21

　　The CIRC shall handle an insurance company‘s application for product examination and approval according to different circumstances as follows：

　　1. In case that a product belongs to the category subject to filing， the CIRC shall notify the insurance company in writing to reapply for filing；

　　2. In case of incompleteness of the application materials， the CIRC shall， within 5 days， inform the insurance company of the materials to be supplemented all at once.

　　3. In case the application materials are complete or the insurance company has supplemented all the materials according to the requirement of the CIRC， the CIRC shall accept the application and provide the insurance company with a written certificate with a seal for the exclusive use of accepting.

　　Article 22

　　Within 20 days after accepting an application for product examination and approval， the CIRC shall make the decision to or not to approve the application. In case the decision cannot be made within 20 days， the examination and approval time limit， subject to approval by the person-in-charge of the CIRC， may be extended by 10 days. The CIRC shall inform the insurance company of the reason for extension.

　　In case that an approval is granted， the CIRC shall publicize the decision in the CIRC proclamations or on its official website. In case of disapproval²⁰， the CIRC shall notify the insurance company in writing to explain the reasons for the disapproval， and inform it of the right to apply for administrative reconsideration or start administrative proceedings²¹ according to law.

　　Article 23

　　The CIRC may organize an expert assessment²² of a product and inform an insurance company of the time needed for such assessment.

　　The CIRC may organize a public hearing on a product concerning the public interest and shall implement²³ the hearing in accordance with relevant stipulations of the Administrative Licensing²⁴ Law of the People‘s Republic of China.

　　The time needed for an expert assessment and for a hearing is not counted in the time limit of examination and approval specified in Article 22 of these Measures.

　　Article 24

　　Where an insurance company intends to withdraw an application after the CIRC has accepted it and before a decision is made， the insurance company shall submit a written application to the CIRC for the withdrawal²⁵. The CIRC shall terminate the examination of the application for product examination and approval and return the application materials to the insurance company.

　　Article 25

　　Where an insurance company intends to make changes to a product after the CIRC has accepted the application and before a decision is made， the insurance company shall apply to the CIRC for withdrawal of the examination and approval application.

　　In case that an insurance company withdraws its application for product examination and approval， the time limit of examination and approval shall be calculated from the date on which the CIRC receives the revised application materials.

　　Article 26

　　For a product disapproved²⁶ by the CIRC， an insurance company may reapply for product examination and approval after making changes to the product.

　　Article 27

　　For a product subject to filing， an insurance company shall submit the filing materials to the CIRC no later than 7 days after the product is sold.

　　Article 28

　　Upon receiving filing materials， the CIRC shall handle the filing according to different circumstances as follows：

　　1. In case of incompleteness of the filing materials， the CIRC shall inform the insurance company to supplement all materials needed within 10 days.

　　2. Upon receiving complete filing materials or all materials needed are supplemented by an insurance company according to the requirement of the CIRC， the CIRC shall keep the filing materials in the archives and issue a receipt to the insurance company.

　　Chapter 5 Responsible Actuary and Legally Responsible Person

　　Article 29

　　An insurance company shall appoint a responsible actuary and a legally responsible person to be responsible for product actuarial affairs and legal affairs respectively.

　　The insurance company shall provide the responsible actuary and legally responsible person with sufficient information necessary for them to undertake their duties， and shall show due respect to the professional opinions of the responsible actuary and legally responsible person.

　　Article 30

　　A responsible actuary appointed by an insurance company is subject to examination and confirmation²⁷ by the CIRC. Statement provided by a responsible actuary not confirmed and other relevant reports signed by a responsible actuary not confirmed will not be accepted by the CIRC.

　　Article 31

　　A responsible actuary appointed by an insurance company shall satisfy the following requirements：

　　1. Having a domicile within the territory of the People‘s Republic of China；

　　2. Having Chinese actuary qualification；

　　3. Having more than 3 years‘ experience in actuarial service；

　　4. Having no record of criminal punishment；

　　5. Having no record of intentional²⁸ fraud in actuarial practice.

　　In special cases， the CIRC may confirm people with other actuary qualifications as responsible actuaries.

　　Article 32

　　The responsible actuary is responsible for signing actuarial report and providing statement of responsible actuary， and shall take the following responsibilities for the products：

　　1. The actuarial report of the product is complete；

　　2. The actuarial report of the product accords with the presentation of the clauses；

　　3. The actuarial assumptions and methods of the products comply with the general actuarial principles and relevant actuarial stipulations of the CIRC；

　　4. For a product with benefit presentation， the benefit measurement and calculation methods comply with the general actuarial principles and relevant stipulations of the CIRC；

　　5. The result of calculation is accurate；

　　6. Other responsibilities in product actuarial services as specified by the CIRC.

　　Article 33

　　A legally responsible person appointed by an insurance company is subject to examination and confirmation by the CIRC. Statement provided by a legally responsible person not confirmed and other relevant reports signed by a legally responsible person not confirmed will not be accepted by the CIRC.

　　Article 34

　　A legally responsible person appointed by an insurance company shall satisfy the following requirements：

　　1. Having a domicile within the territory of the People‘s Republic of China；

　　2. Having undergraduate educational background of Law or above， or having a Chinese lawyer qualification certificate or a law practitioner²⁹ certificate；

　　3. Having more than 3 years‘ experience in domestic insurance or legal service；

　　4. Having no record of criminal punishment；

　　5. Having no record of intentional fraud in law practice.

　　Article 35

　　A legally responsible person is responsible for providing statement of legally responsible person， and shall take the following responsibilities for the product：

　　1. The insurance clauses comply with the Insurance Law of the People‘s Republic of China， other laws and administrative rules and relevant stipulations of the CIRC；

　　2. Insurance clauses do not infringe³⁰ upon the public interest or to the legitimate³¹ rights and interests of the policyholder， the insured and the beneficiary；

　　3. The insurance contract contains all essential elements with accurate wording；

　　4. For a product with a product description， the description shall accord with the presentation of the clauses； the contents are complete and authentic¹⁰ and comply with relevant stipulations of the CIRC.

　　5. Other legal responsibilities for the product specified by the CIRC.

　　Article 36

　　When applying for confirmation of the qualifications of a responsible actuary and a legally responsible person， an insurance company shall submit the following materials to the CIRC in duplicate：

　　1. “Application Form for Examination and Confirmation of the Qualifications of Responsible Actuary” or “Application Form for Examination and Confirmation of the Qualifications of Legally Responsible Person”；

　　2. Copies of identity certificate and domicile certificate of the proposed responsible actuary or legally responsible person；

　　3. Copies of diploma and professional qualification certificate；

　　4. Certificate of professional experience；

　　5. Other materials specified by the CIRC.

　　Article 37

　　Upon receiving the application materials for confirmation of qualifications of a responsible actuary or a legally responsible person， the CIRC shall handle the application according to different circumstances as follows：

　　1. In case of incompleteness of the application materials， the CIRC shall， within 5 days， inform the insurance company of the materials to be supplemented all at once.

　　2. In case the application materials are complete or the insurance company has supplemented all the materials according to the requirement of the CIRC， the CIRC shall accept the application and provide the insurance company with a written certificate with a seal for the exclusive use of accepting.

　　Article 38

　　Within 20 days after accepting an application， the CIRC shall make the decision to or not to approve the application. In case of disapproval， the CIRC shall notify the insurance company in writing to explain the reasons for the disapproval， and inform it of the right to apply for administrative reconsideration or start administrative proceedings according to law.

　　Article 39

　　Where an insurance company appoints a new responsible actuary or a new legally responsible person， the insurance company shall reapply to the CIRC for confirmation.

　　Chapter 6 Legal Responsibilities

　　Article 40

　　Where an insurance company fails to apply for examination and approval or filing of a product as stipulated³²， the CIRC shall order the insurance company to stop selling the product and impose penalties on the insurance company and its senior managerial personnel and other persons directly responsible according to relevant laws and administrative regulations.

　　Article 41

　　Where an insurance company applies for filing of a product which is subject to examination and approval of CIRC， the CIRC shall order the insurance company to stop selling the product， and， if the circumstances are serious， the CIRC shall impose penalties on the insurance company， its senior managerial personnel and other persons directly responsible according to relevant laws and administrative regulations.

　　Article 42

　　Where an insurance company conceals³³ relevant information， provides false materials or refuses to provide authentic materials when applying for examination and approval of a product， the CIRC shall impose penalties on the insurance company， its senior managerial personnel and other persons directly responsible according to relevant laws and administrative regulations. Where the product has been sold， the CIRC may order the insurance company to stop selling.

　　Article 43

　　In any of the following cases concerning a product filed with the CIRC， the CIRC may order the insurance company to stop selling the product and impose penalties on the insurance company， its senior managerial personnel and other persons directly responsible according to relevant laws and administrative regulations：

　　1. Violating laws， administrative regulations or the prohibitive stipulations of the CIRC；

　　2. Violating relevant fiscal³⁴ or financial policies of the State；

　　3. Being harmful to the public interest；

　　4. Containing obviously unfair contents， engendering³⁵ price monopoly， and infringing³⁷ upon the legitimate rights and interests of the policyholder， the insured or the beneficiary；

　　5. Inappropriate design of clauses or premium rates or wrong estimation of interest rates， which may endanger the solvency³⁸ of the insurance company；

　　6. Other matters specified by the CIRC based on prudential supervision principle.

　　Article 44

　　A responsible actuary who violates Article 32 of these Measures shall be subject to penalties by the CIRC according to relevant laws and administrative regulations.

　　Where a responsible actuary violates Article 32 of these Measures for 3 times and the time lap between the first violation³⁹ and the third violation is less than 2 years， the CIRC will not accept statement of the responsible actuary and actuary‘s report signed by such responsible actuary for a period of 2 years starting from the date on which the third violation is detected.

　　Article 45

　　A legally responsible person who violates Article 35 of these Measures shall be subject to penalties by the CIRC according to relevant laws and administrative regulations.

　　Where a legally responsible person violates Article 35 for 3 times and the time lap between the first violation and the third violation is less than 2 years， the CIRC will not accept statement of legally responsible person provided by such legally responsible person for a period of 2 years starting from the date on which the third violation is detected.

　　Chapter 7 Supplementary⁴⁰ Provisions

　　Article 46

　　These Measures shall prevail in case of discrepancy⁴¹ between them and the regulations promulgated by the CIRC before the implementation⁴² of these Measures.

　　Article 47

　　Any product that has been examined and approved or filed prior to implementation of these Measures remain effective.

　　However， where an insurance company intends to make changes to the afore-mentioned product， the insurance company shall reapply for examination and approval or filing according to the Measures.

　　Article 48

　　The qualifications of responsible actuaries and legally responsible persons examined and recognized by the CIRC before implementation of the Measures remain effective.

　　Article 49

　　The time limit specified in these Measures shall be calculated in working days， excluding legal holidays.

　　Article 50

　　The CIRC is responsible for interpreting these Measures.

　　Article 51

　　The Measures shall be effective as of July 1， 2004.

　　Appendices：

　　1. Application Form for Examination and Approval of Personal Insurance Products；

　　2. List of Materials to Be Submitted for Personal Insurance Product Examination and Approval；

　　3. List of Materials to Be Submitted for Filing of Personal Insurance Products；

　　4. Application Form for Examination and Confirmation of the Qualifications of Responsible Actuary；

　　5. Application Form for Examination and Confirmation of the Qualifications of Legally Responsible Person；

　　6. Statement of Responsible Actuary；

　　7. Statement of Legally Responsible Person.

　　Appendix 1：

　　Application Form for Examination and Approval of Personal Insurance Products

　　Company

　　Product

　　Product type

　　Date of submittal

　　Main reasons for　product examination and approval application

　　Insurance liability

　　Liability exemptions⁴³

　　Company document number and company seal

　　Year：

　　Month：

　　Day： Date of acceptance by CIRC and seal

　　Year：

　　Month：

　　Day：

　　Appendix 2：

　　List of Materials to Be Submitted for Personal Insurance Product Examination and Approval

　　Company

　　Product

　　Product type

　　Date of submittal

　　Year：

　　Month：

　　Day：

　　List of materials to be submitted Completeness check

　　Number submitted Number verified by the CIRC

　　1. Application form for examination and approval of personal insurance product

　　2. List of materials to be submitted for personal insurance product examination and approval

　　3. Explanatory materials for application of product examination and approval

　　4. Insurance clauses

　　5. Product premium rate table

　　6. Cash value table （example） ＃

　　7. Actuarial report （signed by responsible actuary）

　　8. Statement of responsible actuary （signed by responsible actuary）

　　9. Statement of legally responsible person （signed by the legally responsible person）

　　10. Product Feasibility report

　　11. Sales management measures

　　12. Financial management measures

　　13. Business management measures

　　14. Management system of information disclosure

　　15. Text of product description

　　16. Dividend calculation and distribution methods for participating products ☆

　　17. Income distribution and expenses apportionment principles for participating products ☆

　　18. CD or floppy disk containing electronic files of all materials to be submitted

　　19. Other materials specified by the CIRC ＃

　　Company document number and company seal

　　Year：

　　Month：

　　Day： Remarks of the CIRC

　　Year：

　　Month：

　　Day：

　　Note： 1. Materials marked with ＃ are optional；

　　2. Item 16 and Item 17 marked with ☆ are only required for participating insurance products；

　　2. Fill in the number of copies submitted in the column of “number submitted”； if no material is submitted， indicate reasons in the column.

　　Appendix 3：

　　List of Materials to Be Submitted for Filing of Personal Insurance Products

　　Company

　　Product

　　Product type

　　Selling date

　　Date of submittal

　　List of materials to be submitted Completeness check

　　Number submitted Number verified by the CIRC

　　1. List of materials to be submitted for filing of personal insurance products

　　2. Insurance clauses

　　3. Product premium rate table

　　4. Cash value table （example）＃

　　5. Actuarial report （subject to signing by the chief actuary）

　　6. Statement of responsible actuary （signed by the responsible actuary）

　　7. Statement of legally responsible person （signed by the legally responsible person）

　　8. Text of product description #

　　9. Other materials for participating， universal and unit-linked products Feasibility report of universal and unit-linked products

　　Sales management measures for universal and unit-linked products

　　Financial management measures for participating， universal and unit-linked products

　　Business management measures for participating， universal and unit-linked products

　　Management system of information disclosure for participating， universal and unit-linked products

　　Dividend calculation and distribution methods for participating products ☆

　　Income distribution and expenses apportionment principles for participating products ☆

　　10. CD or floppy disk containing electronic files of all materials to be submitted

　　11. Other materials specified by CIRC ＃

　　Company document number and company seal

　　Year：

　　Month：

　　Day： Remarks of CIRC

　　Year：

　　Month：

　　Day：

　　Note： 1. Materials marked with＃ are optional；

　　2. If selling has not been started， fill in “selling not started yet” in the column of “Selling date”。 If selling has been started， fill in the date on which selling was started.

　　3. Fill in the number of copies submitted in the column of “number submitted”； if no material is submitted， indicate reasons in the column.

　　4. Item 9 is required only for participating， universal and unit-linked insurance products.

　　Appendix 4：

　　Application Form for Examination and Confirmation of the Qualifications of Responsible Actuary

　　Name Gender³⁶ Male / female Ethnicity Photo

　　Date of birth Political background Nationality

　　Passport number I.D. Card No.：

　　Academic degree Major

　　Professional qualification Institution granting the professional qualification　Granting date of the professional qualification

　　Current position

　　Office telephone Mobile telephone Fax

　　Mail address and zip code

　　Home address

　　Education background Beginning and ending date University Major Degree

　　Work experience Beginning and ending date Company and department Position

　　Statement of the Proposed Responsible Actuary

　　1. The above information is true； 2. I have no record of criminal penalty； 3. I did not commit any intentional fraudulent act in practicing.

　　Signature：Date： Year：

　　Month：

　　Day：

　　Comment of insurance company We approve ×× to act as our responsible actuary.

　　Official seal

　　Date： Year：

　　Month：

　　Day：

　　Note： If there is no corresponding information， fill in “N/A”。

　　Appendix 5：

　　Application Form for Examination and Confirmation of the Qualifications of Legally Responsible Person

　　Name Gender Male / female Ethnicity Photo

　　Date of birth Political background Nationality

　　Passport number I.D. Card No.：

　　Academic Degree Major

　　Professional qualification Institution granting the professional qualification Granting date of the professional qualification

　　Current position

　　Office telephone Mobile telephone Fax

　　Mail address and zip code

　　Home address

　　Education background Beginning and ending date University Major Degree

　　Work experience Beginning and ending date Company and department Position

　　Statement of the Proposed Legally Responsible Person　1. The above information is true； 2. I have no record of criminal penalty； 3. I did not commit any intentional fraudulent act in practicing.

　　Signature：

　　Year：

　　Month：

　　Day：

　　Comment of insurance company We approve ×× to act as our legally responsible person.

　　Official seal

　　Year：

　　Month：

　　Day：

　　Note： If there is no corresponding information， fill in “N/A”。

　　Appendix 6：

　　Statement of Responsible Actuary

　　The China Insurance Regulatory Commission：

　　I have performed the duty of actuarial verification of XX product of XX Insurance Company scrupulously⁴⁴. I hereby confirm that the following statements are true：

　　1. The actuarial report for the product is complete；

　　2. The actuarial report for the product complies with the presentation of the clauses；

　　3. The actuarial assumption and method comply with the general actuarial principles and actuarial stipulations of the CIRC；

　　4. The result of calculation is accurate；

　　5. The benefit measurement and calculation methods comply with the general actuarial principles and relevant stipulations of the CIRC. （Applying to a product with benefit measurement and calculation）

　　Responsible Actuary：

　　Year：

　　Month：

　　Day：

　　Note： For a product for filing， the responsible actuary shall issue a statement strictly⁴⁵ in accordance with this format¹⁵. For a product subject to examination and approval， the responsible actuary may refer to this format and issue a statement in accordance with specific features of the product.

　　Appendix 7：

　　Statement of Legally Responsible Person

　　The China Insurance Regulatory Commission：

　　I have performed the duty of legal verification of XX product of XX Insurance Company scrupulously. I hereby confirm that the following statements are true：

　　1. The insurance clauses comply with the Insurance Law of the People‘s Republic of China， other laws， administrative rules and relevant stipulations of the CIRC；

　　2. The insurance clauses do not infringe upon the public interest or to the legitimate rights and interests of the policyholder， the insured and the beneficiary；

　　3. The insurance contract contains all essential elements with accurate wording；

　　4. The product description complies with the presentation of the clauses； its contents are complete and authentic and it complies with relevant stipulations of the CIRC. （Applying to a product with product description）

　　Legally Responsible Person：

　　Year：　　Month：　　Day：

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