For many years ING has applied an annual test to assess whether insurance reserves are adequate to meet the estimated future payments on in-force policies using a prudent 90% confidence level.

为确保保险事业提存准备金即使在极不利的环境之下仍能充分支应所有有效保单未 来之责任，多年以来ING集团提拨之保险责任准备金乃是采用相当严谨之90%信用区 间并且每年评估。

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