to be seen. The NHRC recommends that the government develop indicators to facilitate investigation and tracking (e.g., indicators that show whether there is a significant difference between the insurance application rate/number between nondisabled people and persons with disabilities) to enable comparisons between the two groups. (2) Table 25.5 of the CRPD Second Report showed that “illness” was listed as the reason why 9,762 insurance applications by persons with disabilities were rejected in 2018 and 10,985 were rejected in 2019, and “nonphysical conditions” was the reason for 8,418 rejected insurance applications in 2018 and 9,311 in 2019. Further analysis of the statistical data compiled by the TII revealed that under “nonphysical conditions,” the most common reason was “underwriting procedure incomplete” (either the insurance company or customer suspending the underwriting procedure), which accounted for over 6,000 of the rejected insurance applications in both 2018 and 2019. 105 Reasons for persons with disabilities suspending the underwriting procedure included the contract proposer investing time and energy in planning for insurance but later dropping out, or failing to submit all required data thus causing the underwriting procedure to terminate. These reasons accounted for 31.71% of the rejected insurance applications. The FSC should have a full grasp of the reasons why proposers with disabilities suspend the underwriting procedure. (3) The FSC oversaw The Non-Life Insurance Association of the Republic of China (hereinafter referred to as the NLIA) and The Life Insurance Association of the Republic of China (hereinafter referred to as the LIAROC) when they co-formulated the Guidelines for Insuring Persons with Disabilities. Article 5 of the guidelines stipulates that “all insurance companies shall create empirical statistical data on insured persons with disabilities to serve as a basis for future revisions in insurance standards.” In 2000, the Department of Insurance, Ministry of Finance promulgated its Insurance Industry Guidelines for Insuring Persons with Disabilities, which required life insurance companies to compile empirical statistical data on 105 According to the disabled persons insurance database created by the TII, in both 2018 and 2019, “underwriting procedure incomplete” among nonphysical conditions was listed as the reason why over 6,000 insurance applications were rejected. 81