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The Insurance Authority (IA) has issued Interpretation Notes to guide authorized insurers on calculating and disclosing fulfillment ratios for participating products and historical crediting interest rates for universal life products, as outlined in the Guideline on Underwriting Long Term Insurance Business (GL16). These notes emphasize the need for accuracy, uniform methodology, and clear disclosure formats while clarifying that they do not have the force of law. Insurers are expected to adhere to these gu

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tm00091

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EN