> For the complete documentation index, see [llms.txt](https://www.mica.wtf/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.mica.wtf/mica.wtf/mifid-ii/title-vii-delegated-acts-art.-89-97/91.md). # Art. 91 — Amendments to Directive 2002/92/EC Directive 2002/92/EC is hereby amended as follows: > **(1)**Article 2 is amended as follows: > > > **(a)**in point 3, the second paragraph is replaced by the following: > > > > **(b)**the following point is added: > > > > > **(13)**For the purposes of Chapter IIIA, insurance-based investment product means an insurance product which offers a maturity or surrender value and where that maturity or surrender value is wholly or partially exposed, directly or indirectly, to market fluctuations and shall not include: > > > > > > > **(a)**non-life insurance products as listed in Annex I of Directive 2009/138/EC (Classes of Non-life Insurance); > > > > > > > > **(b)**life insurance contracts where the benefits under the contract are payable only on death or in respect of incapacity due to injury, sickness or infirmity; > > > > > > > > **(c)**pension products which, under national law, are recognised as having the primary purpose of providing the investor with an income in retirement, and which entitles the investor to certain benefits; > > > > > > > > **(d)**officially recognised occupational pension schemes falling under the scope of Directive 2003/41/EC or Directive 2009/138/EC; > > > > > > > > **(e)**individual pension products for which a financial contribution from the employer is required by national law and where the employer or the employee has no choice as to the pension product or provider.; > > **(2)**the following chapter is inserted: > > > **(a)**define the steps that insurance intermediaries or insurance undertakings might reasonably be expected to take to identify, prevent, manage and disclose conflicts of interest when carrying out insurance distribution activities; > > > > **(b)**establish appropriate criteria for determining the types of conflict of interest whose existence may damage the interests of the customers or potential customers of the insurance intermediary or insurance undertaking. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://www.mica.wtf/mica.wtf/mifid-ii/title-vii-delegated-acts-art.-89-97/91.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.