III

Life risks classified in Annex II to Directive 2009/138/EC: minimum necessary knowledge of policies including terms, conditions, the guaranteed benefits and, where applicable, ancillary risks; minimum necessary knowledge of organisation and benefits guaranteed by the pension system of the relevant Member State; knowledge of applicable insurance contract law, consumer protection law, data protection law, anti-money laundering law and, where applicable, relevant tax law and relevant social and labour law; minimum necessary knowledge of the insurance and other relevant financial services markets; minimum necessary knowledge of complaints handling; minimum necessary knowledge of assessing consumer needs; conflicts of interest management; minimum necessary knowledge of business ethics standards; and minimum necessary financial competency.

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Source: EUR-Lex (Cellar) · retrieved 2026-10-28 · Text as adopted (Official Journal); later amendments are not incorporated in this text.