Verordnung der Finanzmarktaufsichtsbehörde (FMA), mit der die Lebensversicherung Informationspflichtenverordnung 2018 geändert wird
352. Verordnung der Finanzmarktaufsichtsbehörde (FMA), mit der die Lebensversicherung Informationspflichtenverordnung 2018 geändert wird
Auf Grund des § 135c Abs. 4 und des § 135d Abs. 4 des Versicherungsaufsichtsgesetzes 2016 ? VAG 2016, BGBl. I Nr. 34/2015, zuletzt geändert durch das Bundesgesetz BGBl. I Nr. 16/2021, wird mit Zustimmung des Bundesministers für Finanzen verordnet:
Die Lebensversicherung Informationspflichtenverordnung 2018 (LV-InfoV 2018), BGBl. II Nr. 247/2018, zuletzt geändert durch die Verordnung BGBl. II Nr. 227/2020, wird wie folgt geändert:
1. Nach § 3 Abs. 1 wird folgender Abs. 1a eingefügt:
?(1a) Bei Produkten, die eine Kombination aus mehreren Produktkategorien vorsehen, sind für die Zwecke der Darstellung der Informationen gemäß Anlage 1 und Anlage 2 Annahmen über die Änderung des Anteils an der jeweiligen Produktkategorie zu treffen und für die drei Szenarien gemäß § 8 und § 14 zu modellieren. Es ist dabei für das erste Szenario jeweils die höhere, für das zweite Szenario jeweils die mittlere und für das dritte Szenario jeweils die niedrigere Gesamtverzinsung beziehungsweise Wertentwicklung heranzuziehen. Die zugrundeliegenden Annahmen und Mechanismen sowie deren Auswirkungen für den Versicherungsnehmer sind im Zusammenhang mit der Modellrechnung gemäß Anlage 2 zu erläutern. Die Leistung des Versicherers zum Ende der vereinbarten Vertragslaufzeit ist dabei gesondert für die jeweilige Produktkategorie anhand der drei Szenarien gemäß § 8 und § 14 anzugeben.?
2. In § 5 Z 1 wird der Verweis ?§ 8 und § 14,? durch die Wortfolge ?§ 3 Abs. 1a, § 8 und § 14, wobei bei einer Kombination von mehreren Produktkategorien der aktuelle Anteil an der jeweiligen Produktkategorie der Prognose zugrunde zu legen ist,? ersetzt.
3. § 9 Abs. 1 lautet:
?§ 9.
(1) Im Rahmen der Darstellung der Grundsätze für die Berechnung der Gewinnbeteiligung gemäß § 135c Abs. 1 Z 3 VAG 2016...
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