the 1.186 million persons with disabilities, equating to an average of less than 0.2 insurance policies per person with disabilities. Additionally, the ratio of life and annuity policies to the total population in Taiwan published on the TII website indicates that the life insurance and annuity policy rate is 256.97% per person as of the end of 2019. That is, every Taiwanese citizen had an average of 2.56 valid insurance policies, verifying the considerably low insurance coverage rates among persons with disabilities. Per a Control Yuan investigation report 103 and data provided by the central competent authority, the NHRC has the following questions: (1) Statistics on the number of noninsured disabled persons listed in Table 25.5 of the CRPD Second Report did not include disabled persons who were verbally rejected by insurance salespeople before their insurance applications were even submitted to the underwriting units. Per a Control Yuan investigation report, between 2018 and 2020 at least 68 persons with disabilities experienced the aforementioned situation. No written documentation stating why they were rejected was provided to most of these individuals; they were only rejected verbally. The reasons why these persons with disabilities were rejected varied. For some, it may have been because the insurance products themselves did not meet the needs for persons with disabilities (and the salespeople were merely telling the truth), or it may have been that the salespeople rejected them for no valid reason (e.g., persons with visual impairment trying to purchase cancer insurance and being rejected). Nevertheless, all insurance salespeople should help persons with disabilities submit their applications. Insurance companies should notify the contract proposers in writing (rather than verbally) to explain why the applications of persons with disabilities were rejected. Although the FSC added reference standards on August 19, 2020 for registering penalties for salespeople that incorporated remarks104 regarding “salespersons refusing to accept insurance applications or assist in submitting insurance applications, or verbally encouraging persons with disabilities to withdraw their insurance applications without valid reason,” whether salespeople who verbally reject insurance applications from persons with disabilities can be correctly identified remains 103 104 The Control Yuan investigation report approved on October 20, 2020. The salespeople would be denied the right to solicit insurance applications for three months. 80