Circular No. 151/2025/TT-BTC amending and supplementing certain Articles of Circular No. 69/2022/TT-BTC dated November 16, 2022, issued by the Minister of Finance regarding detailed regulations on insurance certificates, insurance agency certificates, insurance brokerage certificates, and insurance auxiliary certificates, which have been amended and supplemented by Circular No. 85/2024/TT-BTC.

CIRCULAR

Amending and supplementing certain articles of Circular No. 69/2022/TT-BTC dated November 16, 2022 of the Minister of Finance on detailed regulations concerning insurance certificates, insurance agency certificates, insurance brokerage certificates, and insurance auxiliary certificates amended and supplemented by Circular No. 85/2024/TT-BTC

Pursuant to the Insurance Business Law No. 08/2022/QH15 amended and supplemented by Law No. 139/2022/QH15;

Pursuant to Decree No. 29/2025/NĐ-CP dated February 24, 2025 of the Government stipulating the functions, tasks, powers, and organizational structure of the Ministry of Finance amended and supplemented by Decree No. 166/2025/NĐ-CP;

At the proposal of the Director of the Insurance Supervision and Management Department;

The Minister of Finance promulgates this Circular amending and supplementing Circular No. 69/2022/TT-BTC dated November 16, 2022 of the Minister of Finance on detailed regulations concerning insurance certificates, insurance agency certificates, insurance brokerage certificates, and insurance auxiliary certificates amended and supplemented by Circular No. 85/2024/TT-BTC (hereinafter referred to as Circular No. 69/2022/TT-BTC).

Article 1. Amending and supplementing certain articles and replacing some annexes of Circular No. 69/2022/TT-BTC amended and supplemented by Circular No. 85/2024/TT-BTC

1. Amending and supplementing Clause 2 and Clause 3 of Article 19 as follows:

a) Amending and supplementing the opening paragraph of Clause 2 as follows:

“2. Insurance agency certificates issued before January 1, 2023 shall be valid until June 30, 2026. During the period when they have not been converted into insurance agency certificates stipulated in this Circular, insurance agency certificates issued before January 1, 2023 shall be converted as follows:”.

b) Amending and supplementing Point c and Point e of Clause 3 as follows:

“c) Basic non-life insurance agency certificate: used to perform agency activities for non-life insurance products (excluding marine insurance products and aviation insurance products), health insurance products with a term of up to one year, and term life insurance products with a term of up to one year;

e) Health insurance agency certificate: used to perform agency activities for health insurance products and term life insurance products with a term of up to one year.”.

2. Amending and supplementing Point c of Clause 1 of Article 20 as follows:

“c) For basic non-life insurance agency certificate: general knowledge about insurance, principles, and basic knowledge about non-life insurance business operations (excluding marine insurance and aviation insurance), health insurance products with a term of up to one year, and term life insurance products with a term of up to one year;”

3. Amending and supplementing Clause 2 and Clause 4 of Article 28 as follows:

a) Amending and supplementing Clause 2 as follows:

“2. The following cases may be converted into unit-linked insurance agency certificates:

a) Insurance agency certificate accompanied by a unit-linked insurance product sales certificate issued by a life insurance agent training institution;

b) Insurance agency certificate accompanied by a certificate or completion certificate of a unit-linked insurance product course issued by a life insurance agent training institution.”.

b) Amend and supplement Clause 4 as follows:

“4. The conversion of insurance agency certificates must be completed before June 30, 2026. Insurance agency certificates issued before January 1, 2023 will become invalid from the date of conversion into insurance agency certificates stipulated in this Circular or from July 1, 2026, whichever occurs first.”

4. Amending and supplementing Article 29 as follows:

“Article 29. Documents, procedures, and formalities for converting insurance agency certificates

1. Before May 15, 2026, insurance companies, branches of foreign non-life insurance companies, and micro-insurance mutual organizations shall submit to the entity responsible for the conversion the application for converting insurance agency certificates issued before January 1, 2023 into insurance agency certificates stipulated in this Circular for insurance agents currently working at these entities.

2. The application for converting insurance agency certificates stipulated in Clause 1 of this Article includes:

a) Application form for certificate conversion (accompanied by a list of insurance agents whose certificates are requested to be converted) according to the model prescribed in Annex 10a and Annex 10b attached to this Circular;

b) Certified copy or electronic copy with valid digital signature or copy from the original book of the certificate or certification issued before January 1, 2023. A copy from the original book is a certified copy of the certificate or certification from the original book with confirmation by the legal representative and stamped by the insurance agent training institution issuing the certificate or certification;

c) Certified copy of the Identity Card/Citizen Identity Card/Passport of the insurance agent that is still valid. In case the administrative procedure information system of the Ministry of Finance has completed the connection and sharing of citizen information with the National Population Database, the entity responsible for the conversion shall extract such information from the National Population Database in accordance with the law;

d) For insurance agents who have been approved to convert into basic life insurance agency certificates, if requesting to convert into unit-linked insurance agency certificates, only a certified copy or electronic copy with valid digital signature or copy from the original book of the certificate or completion certificate of a unit-linked insurance product course issued by a life insurance agent training institution before January 1, 2023 needs to be submitted.

3. Within fifteen days from the date of receipt of the application for certificate conversion, in case the application is incomplete or invalid, the entity responsible for the conversion shall issue a letter requesting the insurance agent training institution to supplement and complete the application.

Within forty-five days from the date of receipt of a complete and valid application, the entity responsible for the conversion shall convert insurance agency certificates issued before January 1, 2023 into certificates stipulated in this Circular. The format of the converted insurance agency certificate shall comply with the provisions in Annex 9 attached to this Circular.”.

5. Amending and supplementing Article 30 as follows:

“Article 30. Responsibilities of the Insurance Supervision and Management Department

1. Reviewing the examination question bank for insurance certificates, insurance agency certificates, insurance brokerage certificates, and insurance auxiliary certificates.

2. Managing and supervising the organization of examinations, issuance, revocation, and replacement of insurance certificates, insurance agency certificates, insurance brokerage certificates, and insurance auxiliary certificates, and the process of converting insurance agency certificates.”.

6. Amending and supplementing Article 30a as follows:

“Article 30a. Responsibilities of the Vietnam Institute of Insurance Development

1. Issuing the Examination Regulations for insurance certificates, insurance agency certificates, insurance brokerage certificates, and insurance auxiliary certificates.

2. Announcing the examination time, location, and list of examination sessions for domestic insurance training institutions, insurance companies, branches of foreign non-life insurance companies, and micro-insurance mutual organizations.

3. Developing the examination question bank for insurance certificates, insurance agency certificates, insurance brokerage certificates, and insurance auxiliary certificates corresponding to the training content of each type of certificate stipulated in this Circular (excluding content on skills and practical operation, service implementation procedures).

4. Compiling examination questions, organizing examinations, approving, and announcing the results of examinations for insurance certificates, insurance agency certificates, insurance brokerage certificates, and insurance auxiliary certificates.

5. Organizing re-examinations of examination results for paper-based examinations for insurance certificates, insurance agency certificates, insurance brokerage certificates, and insurance auxiliary certificates.”.

6. Issue insurance certificates, insurance brokerage certificates, and certificates on insurance auxiliary services to candidates who pass the examination through the Certificate Examination Management System; issue, revoke, and renew insurance agency certificates; convert insurance agency certificates issued before January 1, 2023, to insurance agency certificates as prescribed in this Circular.

7. Announce the list of individuals whose insurance certificates, insurance agency certificates, insurance brokerage certificates, and certificates on insurance auxiliary services have been revoked on the Certificate Examination Management System.

8. Develop, manage, administer, operate, maintain, and upgrade the Certificate Examination Management System.

9. Implement the collection, management, and utilization of examination fees for insurance certificates, insurance agency certificates, insurance brokerage certificates, and certificates on insurance auxiliary services in accordance with the law for public service units.

7. Replace the phrase "Clause 6 Article 81" with "Clause 5 Article 81" in Article 1.

8. Replace Appendix 6b and Appendix 6c with Appendix 6b and Appendix 6c promulgated together with this Circular.

Article 2. Repeal certain Articles and certain phrases of Circular No. 69/2022/TT-BTC amended and supplemented by Circular No. 85/2024/TT-BTC.

1. Delete the phrase "Clause 4 Article 143" in Article 1.

2. Repeal Article 6 and Article 11.

3. Delete the phrase "certificate on insurance auxiliary services" and "each certificate on insurance auxiliary services examination consists of 80 questions, with a time limit of 120 minutes" in Article 14.

4. Delete the phrase "certificate on insurance auxiliary services" and "Appendix 3 (sample certificate on insurance auxiliary services)" in Article 16.

5. Delete the phrase "certificate on insurance auxiliary services" in the title of this Circular, the title of Chapter II, Section 1, Section 2 of Chapter II, the title of Chapter IV, Article 2, Article 3, Article 8, Article 12, Article 13, Article 15, Article 17, Article 18, Article 30, Article 30a, Article 32, and Article 33.

6. Delete Appendix 3.

Article 3. Effectiveness of this Circular.

1. This Circular takes effect from January 1, 2026, except as provided in Clause 2 of this Article.

2. Article 2 of this Circular takes effect from July 1, 2026.

3. The examination question bank for insurance certificates, insurance agency certificates, insurance brokerage certificates, and certificates on insurance auxiliary services established before the effective date of this Circular shall continue to be used.

Appendix 6b

MODEL APPLICATION FOR MONTHLY INSURANCE AGENCY CERTIFICATE EXAMINATION

(Attached to Circular No. 151/2025/TT-BTC dated December 31, 2025, issued by the Minister of Finance)

APPLICATION FOR INSURANCE AGENCY CERTIFICATE EXAMINATION
MONTH ... YEAR ...

(Attached to application number ... dated ... month ... year ...)⁽¹⁾Insurance company:

Address: ...⁽²⁾...

Date of examination

Note:

⁽¹⁾Clearly specify whether it is a Basic Life Insurance Agency Certificate, a Unit-linked Insurance Agency Certificate, a Basic Non-Life Insurance Agency Certificate, a Marine Insurance Agency Certificate, an Aviation Insurance Agency Certificate, or a Health Insurance Agency Certificate.

⁽²⁾Appendix 6c

⁽³⁾MODEL APPLICATION FOR QUARTERLY INSURANCE AGENCY CERTIFICATE EXAMINATION

⁽⁴⁾QUARTER ... YEAR ...

(Attached to application number ... dated ... month ... year ...)

Number of candidates expected

(Attached to Circular No. 151/2025/TT-BTC dated December 31, 2025, issued by the Minister of Finance)

APPLICATION FOR INSURANCE AGENCY CERTIFICATE EXAMINATION
Name of

(Attached to application number ... dated ... month ... year ...)⁽¹⁾certificate

Address: ...⁽²⁾...
Date of examination

Note:

⁽¹⁾Clearly specify whether it is a Basic Life Insurance Agency Certificate, a Unit-linked Insurance Agency Certificate, a Basic Non-Life Insurance Agency Certificate, a Marine Insurance Agency Certificate, an Aviation Insurance Agency Certificate, or a Health Insurance Agency Certificate.

⁽²⁾Appendix 6c

⁽³⁾MODEL APPLICATION FOR QUARTERLY INSURANCE AGENCY CERTIFICATE EXAMINATION

⁽⁴⁾Clearly state that it is a Basic Insurance Agent Certificate. Life Insurance Agency Certificate, Unit-linked Insurance Agency Certificate, Non-life Insurance Agency Certificate, Marine Insurance Agency Certificate, Aviation Insurance Agency Certificate, or Health Insurance Agency Certificate.