(Utkast) Delegert kommisjonsforordning (EU) .../... av 21. september 2017 om utfyllende bestemmelser til europaparlaments- og rådsdirektiv (EU) 2016/97 hva gjelder krav til produkttilsyn og styring for forsikringsselskaper og forsikringsformidlere
(Draft) Commission Delegated Regulation (EU) .../... of 21 September 2017 supplementing Directive (EU) 2016/97 of the European Parliament and of the Council with regard to product oversight and governance requirements for insurance undertakings and insurance distributors
Utkast til kommisjonsforordning sendt til Europaparlamentet og Rådet for klarering 21.9.2017
BAKGRUNN (fra Kommisjonens pressemelding 21.9.2017)
Commission acts to prevent mis-selling of insurance products
The Commission has today adopted rules to protect consumers when they buy insurance products in the EU. New rules on product oversight and governance will for the first time oblige insurers to prioritise the interest of consumers when designing, developing and distributing all insurance products from 2018 onwards. In addition, new conduct of business rules will ensure that consumers benefit from a high level of protection when they invest their savings in insurance-based investment products, such as certain types of life-insurance policies. Sellers of insurance products will have to comply with new standards on preventing and managing conflicts of interest, and on accepting commissions and payments from third parties (so-called "inducements"). The rules also set out which information sellers must gather from their customers when providing advice and in which cases investment products might be sold with limited advice or without advice. The implementing rules adopted today, in the form of two delegated regulations, stem from the Insurance Distribution Directive (IDD). They will enter into force on 23 February 2018 along with the IDD, following scrutiny by the European Parliament and the Council. They follow the adoption in August 2017 of an implementing technical standard (ITS) on the Insurance Product Information Document (IPID). More information is available online.