关于AIA的人寿，金管局今天两度澄清让我心凉啊。其实不澄清反而让人放心些，我也相信life fund是和其他asset分开的，所以人寿本身是没有问题的，注意是本身。
我的问题：
如果AIG把人寿当作资产抵押给别人，而现在AIG面临丧失抵押权,这些policy怎么办？有没有这种可能性？我希望没有，我也有AIA的寿险。
注意到金管局的用词了：“AIA currently meet sthese regulatory reqirements. MAS will continue to monitor....."说了一大堆话，一个currently把所说的话当屁一样吹掉了。
雷曼几周前还嘴硬的很，我们不缺钱，我们有一大把随时可以兑成现金的asset,昨天就翘了；AIG几个月前也是嘴硬的很，我们不缺钱---但是全世界都知道他找钱。
MAS reassures AIA's policyholders
By ANGELA TAN
The Monetary Authority of Singapore (MAS) on Tuesday stepped in to reassure AIA's policyholders that the insurer has 'sufficient assets in its insurance funds to meet its liabilities to policyholders'.
The assurance came in response to queries from the public on the regulatory requirements which insurance companies have to meet, in particular, AIA Singapore.
The MAS said that as with all insurance companies in Singapore, AIA is required under the Insurance Act to maintain statutory insurance funds, including an investment-linked fund.
These funds are segregated from its head office and other shareholders' funds.
Within these insurance funds, AIA must maintain sufficient assets to meet all its liabilities to policyholders, which include participating policies and investment-linked policies.
The value of these assets is not linked to AIA's or American International Group's financial condition, but like all investments, their value may be affected by general market conditions.
MAS requires all insurance companies in Singapore to manage their investment risks carefully and we are monitoring the situation closely.
The MAS also said it received queries on whether the financial condition of AIG would have an impact on AIA.
The MAS said AIA currently has sufficient assets in its insurance funds to meet its liabilities to policyholders.
'Policyholders should, therefore, not act hastily to terminate their insurance policies with AIA as they may suffer losses from the premature termination and lose the insurance protection they may need. '
Early this week, unconfirmed reports say AIG is scrambling to raise some US$40 billion in additional capital to stave off a downgrade to its financial strength ratings that could, in turn, lead to greater downturn in AIG's fortunes, prompting the concerns in Singapore.
The Monetary Authority of Singapore (MAS) on Tuesday stepped in to reassure AIA's policyholders that the insurer has 'sufficient assets in its insurance funds to meet its liabilities to policyholders'.
The assurance came in response to queries from the public on the regulatory requirements which insurance companies have to meet, in particular, AIA Singapore.
The MAS said that as with all insurance companies in Singapore, AIA is required under the Insurance Act to maintain statutory insurance funds, including an investment-linked fund.
These funds are segregated from its head office and other shareholders' funds.
Within these insurance funds, AIA must maintain sufficient assets to meet all its liabilities to policyholders, which include participating policies and investment-linked policies.
The value of these assets is not linked to AIA's or American International Group's financial condition, but like all investments, their value may be affected by general market conditions.
MAS requires all insurance companies in Singapore to manage their investment risks carefully and we are monitoring the situation closely.
The MAS also said it received queries on whether the financial condition of AIG would have an impact on AIA.
The MAS said AIA currently has sufficient assets in its insurance funds to meet its liabilities to policyholders.
'Policyholders should, therefore, not act hastily to terminate their insurance policies with AIA as they may suffer losses from the premature termination and lose the insurance protection they may need. '
Early this week, unconfirmed reports say AIG is scrambling to raise some US$40 billion in additional capital to stave off a downgrade to its financial strength ratings that could, in turn, lead to greater downturn in AIG's fortunes, prompting the concerns in Singapore.
Huasing Association 1999 - 2013