香港六合彩

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心儿里了,是香港六合彩老公一手操作地嘛!
比赛包括四部分:台步,英语技能,才艺,临场问答.
一开始就有大乐子看,一位可怜的女生走台时捌了一下脚,活生生摔下t型台横躺在草坪上,象是刚被强暴过的样子.而另几位女生获得了台下这样的喝彩:喂!香港六合彩这是人类的比赛,你来倒什么乱?!
赵玉在才艺表演时跳了一支舞——香港六合彩令我神魂颠倒.
香港六合彩微笑着,象是坠入了某个美梦,不再有哀伤,也不再有烦恼,连快乐也变得不重要.只是美,一种不似人间的美,让我感到舒适与温馨
当然,香港六合彩的舞蹈获得了满操场的喝彩.
5.李海蓝的表现一直很夸张,矫揉造作,香港六合彩说英语时甚至有点手舞足蹈,这不禁令香港六合彩想起了香港六合彩的孔雀舞.
不过仍然有一刻香港六合彩令香港六合彩有一丝感动.
那是才艺表演的时候,香港六合彩弹着吉它喝了一首歌,香港六合彩唱:我是流浪,却从未想过要去别的地方,你是天堂,却从不允许我去你怀里飘荡.
你哭了,我淋透一身的冰凉,你摇头,我抛弃我所有的阳光.
我还能去哪里飞翔啊,我还能去哪里飞翔,你放开牵引我的双手,我一头栽倒在遍地的泥浆.
我还能去哪里飞翔啊,我还能去哪里飞翔,任随你肆意将我践踏,我也会无怨地向你凝望.
就算是最深最黑的夜晚,你的瞳眸,也是囚禁我流浪风筝的天堂!
香港六合彩转头看包菜,香港六合彩再也装不下去,一时间泪流满面跳起身来跑开了.
李海蓝以前并不会弹吉它!
六.1.赵玉与李海蓝在无意中进行了一次天衣无缝的配合,赵玉的舞蹈,李海蓝的歌声,让

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香港六合彩

  1. 1. Informing and advising consumers on insurance products <ul><li>International Seminar on awareness and education relative to risks and insurance issues </li></ul><ul><li>Istanbul, 13 April 2007 </li></ul><ul><li>Anna Maria Ambroselli </li></ul><ul><li>International Affairs Department </li></ul><ul><li>ISVAP </li></ul>
  2. 2. Isvap nature <ul><li>Public body </li></ul><ul><li>Set up in 1982 </li></ul><ul><li>Vested with autonomy in the financial, accounting, organisation and management field </li></ul>
  3. 3. Purposes of Insurance Supervision purposes of controls STABILITY SOLVENCY CONSUMERS PROTECTION STABILITY purposes of controls ISVAP controls the technical and financial management of supervised entities
  4. 4. Supervised entities <ul><li>Insurance undertakings </li></ul><ul><li>Reinsurance undertakings </li></ul><ul><li>Insurance and reinsurance intermediaries </li></ul>
  5. 5. Recent ISVAP Initiatives in the field of financial education <ul><li>Life assurance: ISVAP Circular 551 of 1 March 2005 “ Disclosure in life assurance contracts ” </li></ul><ul><li>The enhancement of ISVAP’s website: www. isvap .it </li></ul><ul><li>The “ Code of Private Insurance ” (legislative decree n. 209 of 7th September 2005) </li></ul>
  6. 6. <ul><li>From the beginning of its activity ISVAP has issued a series of circulars regulating insurance undertaking obligations in terms of disclosure and transparency in the distribution of life assurance products </li></ul><ul><li>In March 2005, after being submitted to public consultation, ISVAP issued the Circular 551 relating to the disclosure in life assurance contracts which constitutes the consolidated text on transparency for potential policyholders </li></ul>ISVAP Circular 551 of 1 March 2005 “Disclosure in life assurance contracts”
  7. 7. The Objectives of the Circular 551 <ul><li>Enhanced transparency before the conclusion of the contract and during its life </li></ul><ul><li>Possibility for the policyholder to compare different proposals: the introduction of a Summary Profile to present to the consumer for with-profit, unit-linked and index-linked life assurance contracts and contracts designed to implement individual pension plans </li></ul><ul><li>Obligation of high professional assistance: rules of conduct and adequacy of contractual proposals </li></ul><ul><li>*** </li></ul><ul><li>In summary, the current regulation allow the policyholder to have facilitated access to information, make comparisons and fully understand the characteristics of the product offered </li></ul>
  8. 8. <ul><li>Information before the conclusion of the contract </li></ul><ul><li>Insurance companies shall draw up an Information Dossier which insurance intermediaries must deliver to potential policyholders before underwriting a life assurance proposal. </li></ul><ul><li>The Information Dossier shall contain the following documents: </li></ul><ul><li>Summary profile </li></ul><ul><li>Information note </li></ul><ul><li>Insurance Conditions </li></ul><ul><li>Glossary </li></ul><ul><li>Proposal form </li></ul><ul><li>In the glossary companies explain the meaning of technical terms </li></ul>1) Enhanced Transparency
  9. 9. 1) Enhanced Transparency <ul><li>Information during the term of the contract </li></ul><ul><li>Regarding with-profit contracts insurance undertakings must send to the policyholder, in writing, the annual statement of account of his/her insurance position indicating, among other things, the total amount of premiums paid, any unpaid premiums and the results of the non-payment </li></ul>
  10. 10. <ul><li>Information during the term of the contract </li></ul><ul><li>When dealing with unit and index linked contracts, the companies are required: </li></ul><ul><li>to establish a benchmark with which to compare the performance of the internal insurance fund to which the benefits are linked </li></ul><ul><li>to inform the policyholder, in writing, in the event of loss exceeding 30% with respect to the overall amount of the premiums invested </li></ul><ul><li>to publish in daily newspapers and on their internet sites the value of the unit of the internal fund or of the UCITS used to represent the basis for the calculation of benefits in unit linked contracts </li></ul><ul><li>*** </li></ul><ul><li>With regard to these contracts, the competences are being transferred to Consob (the Italian market regulator) which will then issue new regulations </li></ul>1) Enhanced Transparency
  11. 11. 2) How the consumer may compare Different Proposals <ul><li>The Circular 551 introduced an obligation for the companies to present a Summary Profile for with-profit, unit-linked and index-linked life assurance contracts and contracts designed to implement individual pension plans </li></ul><ul><li>The Summary Profile sets out, in a few pages, the essential characteristics of the contract – guarantees, costs and any financial risks – in easily understandable terms for potential policyholders </li></ul>
  12. 12. 3) Obligation of high professional assistance <ul><li>Rules of conduct </li></ul><ul><ul><li>Insurance undertakings and intermediaries must behave with diligence, correctness and transparency towards policyholders in the execution of the contract </li></ul></ul><ul><li>Adequacy of contractual proposals </li></ul><ul><ul><li>Personal characteristics of the consumer (age, employment and family, financial and insurance position, expectations in terms of insurance coverage, duration and financial risks) </li></ul></ul><ul><ul><li>Intermediaries are required to explain to the policyholder, in a clear and easy-to-understand language, the characteristics of the contract proposed analytically illustrating any financial risks connected to the execution of the contract </li></ul></ul>
  13. 13. <ul><li>ISVAP has recently enhanced its website. Among other parts, there is a sub-site dedicated to consumer information that provides a wide range of information about products, providers and regulation. In particular, it contains: </li></ul><ul><li>a guide to life assurance contracts </li></ul><ul><li>a guide to non life insurance contracts </li></ul><ul><li>a guide to health insurance contracts </li></ul><ul><li>These guides describe the main characteristics of life, health and non-life insurance contracts (in particular regarding compulsory motor insurance) and give detailed advice about subscribing insurance products, in a simple and clear language </li></ul><ul><li>F.A.Q. </li></ul><ul><li>How to present any complaints concerning insurance companies or insurance intermediaries </li></ul>The enhancement of ISVAP’s Website
  14. 14. <ul><li>In 2004 a practical guide to insurance was published as an information and support tool for policyholders. The guide illustrates the contents of the guarantees and rules regulating the most common insurance policies (motor vehicle liability, life and pension plans) </li></ul><ul><li>The guide was distributed to the general public at first as a supplement to one of the major national newspapers and afterwards it was reprinted and distributed by ISVAP upon request </li></ul>The enhancement of ISVAP’s Website
  15. 15. <ul><li>In September 2005 was approved the new “Code of Private Insurance” which is the consolidated text of the Italian insurance legislation (legislative decree n. 209 of 7th September 2005). It became effective on 1 January 2006 </li></ul><ul><li>The “Code of Private Insurance” aims, among other things, to simplify insurance regulation </li></ul><ul><li>The Insurance Code also contains the provisions implementing the Insurance Mediation Directive (2002/92/EC). These provisions were made effective with the issue of ISVAP regulation n. 5 of 16 October 2006 </li></ul>The Code of Private Insurance
  16. 16. <ul><li>Consistently to the Directive, the Italian Insurance Code states that important pre-contractual information requirements must be given to the consumer by insurance intermediaries </li></ul><ul><li>In particular, prior to the conclusion of any specific contract, insurance intermediaries are required to assess the demands and needs of the customer and specify the reasons for any advice given to that customer on a given insurance product </li></ul><ul><li>Insurance and reinsurance intermediaries are subject to the fulfilment of strict professional requirements </li></ul>The Code of Private Insurance The insurance and reinsurance intermediaries
  17. 17. <ul><li>ISVAP keeps the Single Register of insurance and reinsurance intermediaries </li></ul><ul><li>It contains essential data about persons acting as insurance and reinsurance intermediaries on the Italian territory having their residence or head office in Italy </li></ul><ul><li>The register has been available on ISVAP website since 1 February 2007 </li></ul><ul><li>According to such regulations the carrying out of the mediation activity is reserved solely to persons enrolled in the Register </li></ul><ul><li>For the protection of consumers the Register provides a profile of any persons carrying out the mediation activity with all the information in accordance with the CEIOPS Luxembourg Protocol </li></ul>The Code of Private Insurance The register of intermediaries

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