Sales of Foreign Currency Insurance Products by Life Insurance Companies as of End-April 2026

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Sales of Foreign Currency Insurance Products by Life Insurance Companies as of End-April 2026

2026-06-30

The Financial Supervisory Commission (hereinafter referred to as the FSC) announced that the new contract premium income for foreign currency insurance products by life insurance companies, accumulated through the end of April in the year 115 (2026), was approximately NT$190.971 billion. Of this amount, investment-linked insurance accounted for approximately NT$350.38 billion (about 18%), and traditional insurance accounted for approximately NT$1,559.33 billion (about 82%) (see attachment). Regarding currencies, the main new contracts were for US Dollar, Australian Dollar, and Renminbi insurance products:

1. New contract premium income for US Dollar insurance products was approximately US$5.945 billion, of which investment-linked insurance was approximately US$1.057 billion (about 18%) and traditional insurance was approximately US$4.888 billion (about 82%).

2. New contract premium income for Australian Dollar insurance products was approximately AUD 0.73 billion, of which investment-linked insurance was approximately AUD 0.50 billion (about 68%) and traditional insurance was approximately AUD 0.23 billion (about 32%).

3. New contract premium income for Renminbi insurance products was approximately RMB 0.60 billion, of which investment-linked insurance was approximately RMB 0.50 billion (about 83%) and traditional insurance was approximately RMB 0.10 billion (about 17%).

The FSC stated that the currencies for the payment and receipt of premiums, insurance benefits, policy loans, fees, and other related items for foreign currency insurance products are all foreign currencies. When beneficiaries receive insurance benefits in the future, there is a possibility of exchange losses when converting to New Taiwan Dollars due to the depreciation of the foreign currency used in the policy pricing. Consumers are reminded to pay special attention to exchange rate risks when purchasing such products. They should also carefully evaluate whether the coverage scope of the policy meets their own needs and risk tolerance regarding exchange rates, as well as whether they indeed have future needs for foreign currencies, among other factors, in a comprehensive consideration.

Furthermore, since the payment and receipt currencies for foreign currency insurance products are specific to certain countries, if those countries experience drastic policy changes or economic instability, it may affect local financial markets and exchange rates, thereby impacting policy values and investment results. Consumers are reminded to thoroughly understand the overall situation of the countries where the investment targets are located before purchasing, and to carefully assess their own risk tolerance to ensure their rights and interests.

The FSC also called on insurance companies to understand and evaluate consumers' risk tolerance regarding exchange rates and political and economic factors when selling foreign currency insurance products. They should implement management of solicitation personnel, disclosure of product information, and product suitability policies to facilitate the steady operation of this business and protect consumer rights and interests.

Contact Unit: Life Insurance Supervision Division, Insurance Bureau Contact Telephone: (02) 8968-0194 For any inquiries, please email: Our Public Opinion Mailbox

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Sales of Foreign Currency Insurance Products by Life Insurance Companies as of End-April 2026

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Last Updated: 2026-06-30

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Last Updated: 2026-06-30

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