3. 跨國性保險(向保險公司解釋營業額及財報問題)

世界通商保險經紀人股份有限公司  函

受文者:○○○○股份有限公司

發文日期:

發文字號:

密件及解密條件或保密期限及速別:

附件:本函文電子檔

主旨:

Explain Actual Turnover To ABC Insurance Co.

說明:

Hi George

 

I advise you to response them in 3 days later for there is no need to reply soon. All obligation you had done when this letter sent and you don’t have to discuss with them anymore. Remember more replies more dispute!

 

Our suggestion to response:

 

After we checked the financial statement with our accountant, in fact our actual annual premium had been adjusted based on the actual sales of American market on the end of policy year. The additional premium you required us to pay was not reasonable.

 

First of all, ABC Insurance Co didn’t tell us how to declare the gross revenues and even ABC never advised our declarations were incorrect. In the past years, we declared the worldwide gross profit with our financial statement for ABC’s and your reference rather than the whole turnover in the American market. ABC as an agent for you, you both should know the foregoing mentioned but no one advised us how’s going on.

 

Now we knew clearly the correct actual annual premium should be adjusted based on the actual sales of American market on the end of policy year. Therefore, the requirement of additional premium, whatever based on worldwide gross profit we declared or the whole turnover worldwide you asked, was wrong.

 

Okay, Your ask from the following mentions “Your premium of $○○○○ US was based on estimated revenues. At the end of the policy term, we compare estimated revenues ($○○○○ US) with actual revenues ($○○○○ US). You are responsible for any additional premium over your estimated revenues.”  was clearly based on our worldwide net sales and the estimated sales in 2010. We hereby clarified the amount you submitted was including both America and the rest of world.

 

By the chart shown below, our records in the past three years, however, if we compare the revenue only in American Market($○○○○ US, in 2010 for instance) checked by our accountant with estimated revenue($○○○○ US), we can see the net sales in US are obviously less than estimated sales in the past three year. The answer was there is no need for us to pay any additional premium. The conclusions for former years were the same situation.

 

Please kindly close the case and thanks for your concern.

 

estimated sales Net sales(worldwide) Net sales(only in America)
Year 2008 US$○○○○0 NT$○○○○○ ○○= US$○○○○○ About US$○○○○
Year 2009 US$○○○○ NT$○○○○○ ○○= US$○○○○○ About US$○○○○
Year 20010 US$○○○○ NT$○○○○○ ○○= US$○○○○○ About US$○○○○

 

The foregoing for your reference to close this case!

 

Michael

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