Advance Notice of Amendments to the Regulations Governing Insurance Brokers and Agents to Enhance Public Convenience in Purchasing Insurance, Promote International Insurance Business, and Protect Consumer Rights

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Advance Notice of Amendments to the Regulations Governing Insurance Brokers and Agents to Enhance Public Convenience in Purchasing Insurance, Promote International Insurance Business, and Protect Consumer Rights

2026-07-09

To enhance public convenience in purchasing insurance, simplify solicitation processes, promote international insurance business, and strengthen the daily supervision of insurance broker and agent companies to protect consumer rights, the Financial Supervisory Commission (FSC), in consideration of Article 6 of the "Regulations Governing Insurance Enterprises' Solicitation, Underwriting, and Claims Handling" and practical operational needs, has drafted amendments to certain articles of the "Regulations Governing Insurance Brokers" and "Regulations Governing Insurance Agents" (hereinafter referred to as the Broker Regulations and Agent Regulations, respectively, or collectively as the Two Regulations). These amendments will be announced in accordance with the law in the near future. Both the Broker Regulations and Agent Regulations currently consist of 65 articles. This amendment involves 5 articles for each. The key points of the amendments are listed below:

I. For regulatory consistency, in conjunction with Article 6 of the Regulations Governing Insurance Enterprises' Solicitation, Underwriting, and Claims Handling, the scope of care calls made by broker companies and banks to clients who purchase insurance with loans or replace old policies with new ones will be amended to include the policyholder and the person who actually pays the insurance premiums, excluding the insured. (Amended Article 33-1 of the Two Regulations)

II. Considering that broker companies and banks are important sales channels for insurance company products, and their solicitation of clients should comply with other client insurance rights protection measures stipulated by the cooperating or represented insurance company, to enhance public convenience in purchasing insurance, it is stipulated that if broker companies and banks conduct solicitations in accordance with client insurance rights protection measures that have been reported to and approved by the competent authority by their cooperating or represented insurance enterprises, they may be exempted from recording or video-recording the sales process and conducting care calls for elderly clients aged 65 or above. (Amended Article 33-1 of the Two Regulations)

III. To simplify the handling of insurance product sales and insurance financing business for high-net-worth clients using insurance contracts as collateral, as stipulated in the "Directions for Life Insurance Enterprises Handling Wealth Management Business," it is stipulated that if broker companies and banks conduct such business in accordance with solicitation control measures that have been reported to and approved by the competent authority by their cooperating or represented insurance enterprises, they may be exempted from applying the rights protection measures for the sales process to elderly clients when selling insurance products; for insurance premium financing for high-net-worth clients, they may be exempted from the care call requirements for purchasing insurance with loans. (Amended Article 33-1 of the Two Regulations)

IV. To promote international insurance business, and considering that referral fees paid by brokers and agents (hereinafter referred to as insurance brokers and agents) for international insurance business referrals do not affect the domestic insurance market order, it is stipulated that the payment of referral fees by insurance brokers and agents for insurance business referred by Offshore Insurance Units (OIUs) is not a prohibited act for individual practicing insurance brokers and agents, insurance broker and agent companies, banks, and insurance brokers and agents employed by insurance broker and agent companies or banks. (Amended Article 49 of the Two Regulations)

V. To facilitate the sound operation of insurance broker and agent companies, it is stipulated that personnel employed by insurance broker and agent companies shall not be registered as insurance solicitors for insurance enterprises or other insurance broker and agent companies, provided that those who have complied with Article 14 of the Regulations Governing Insurance Solicitors are not subject to this restriction. (Amended Article 49 of the Two Regulations)

VI. To protect consumer rights, Article 60 will be moved to Article 49-1 and incorporated into the scope of Chapter 5 management. It is also stipulated that if a person appointed or promoted as a responsible person of a broker or agent company has circumstances requiring dismissal, the broker company or agent company shall dismiss them, and Article 21 will be amended due to renumbering. (Amended Articles 21, 49-1, and 60 of the Two Regulations)

The FSC stated that to gather diverse opinions and ensure comprehensive amendments, in addition to publishing the draft in the Executive Yuan Gazette, the general explanation and article comparison table of the draft regulations will also be published on the "Draft Announcement Forum" webpage of the FSC's "Regulatory Inquiry and Verification System" website (URL). All sectors are invited to submit their opinions on the aforementioned "Draft Announcement Forum" webpage within 60 days from the day following the announcement.

Attached are one copy each of the general explanation and article comparison table for the draft amendments to certain articles of the "Regulations Governing Insurance Brokers" and "Regulations Governing Insurance Agents."

Contact Unit: Insurance Bureau, Integrated Supervision Division Contact Number: (02)89680712 If you have any questions, please write to: Our Public Opinion Mailbox

Related Attachments

Agent Management Regulations_General Explanation and Comparison Table

Broker Management Regulations_General Explanation and Amendment Comparison Table

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Update Date: 2026-07-09

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