Since 23 September 2019, all insurance intermediaries have been licensed directly by the IA.
Prior to that, a self-regulatory system operated through three SROs: IARB (Insurance Agents Registration Board), CIB (Hong Kong Confederation of Insurance Brokers) and PIBA (Professional Insurance Brokers Association).
All three SROs ceased their self-regulatory functions on the same date.
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關於保險代理與保險經紀的區別，以下何者正確？
Regarding the distinction between insurance agents and insurance brokers, which of the following is correct?
A. 代理代表保險公司行事；經紀代表客戶行事
B. 代理代表客戶行事；經紀代表保險公司行事
C. 兩者皆代表保險公司行事
D. 兩者皆代表客戶行事
A. Agents act on behalf of insurers; brokers act on behalf of clients
B. Agents act on behalf of clients; brokers act on behalf of insurers
C. Both act on behalf of insurers
D. Both act on behalf of clients
顯示答案 / Show Answer
正確答案 / Correct Answer: A
保險代理代表一間或多間保險公司，向保險公司負責。
保險經紀則代表客戶，獨立地為客戶尋找合適保險產品。
因此兩者所負的受信責任對象不同。
Insurance agents represent one or more insurers and owe their duty to the insurer.
Insurance brokers represent clients, independently sourcing suitable products for them.
Hence their fiduciary duties are owed to different parties.