{"id":1009,"date":"2026-10-16T11:05:58","date_gmt":"2026-10-16T09:05:58","guid":{"rendered":"https:\/\/mapaagentow.pl\/news\/top-news\/polisa-moze-s-uzyc-do-prania-pieniedzy-czy-agent-rozpozna-zagrozenie\/"},"modified":"2026-10-16T12:16:35","modified_gmt":"2026-10-16T10:16:35","slug":"polisa-moze-s-uzyc-do-prania-pieniedzy-czy-agent-rozpozna-zagrozenie","status":"publish","type":"post","link":"https:\/\/mapaagentow.pl\/news\/prawo-i-regulacje\/polisa-moze-s-uzyc-do-prania-pieniedzy-czy-agent-rozpozna-zagrozenie\/","title":{"rendered":"Polisa mo\u017ce s\u0142u\u017cy\u0107 do prania pieni\u0119dzy. Czy agent rozpozna zagro\u017cenie?"},"content":{"rendered":"\n

Procedury <\/span>AML, <\/span>wewn\u0119trzne <\/span>systemy <\/span>kontroli, <\/span>szkolenia <\/span>i <\/span>certyfikaty. <\/span>Bran\u017ca <\/span>ubezpieczeniowa <\/span>dysponuje <\/span>mechanizmami, <\/span>kt\u00f3re <\/span>maj\u0105 <\/span>ogranicza\u0107 <\/span>ryzyko <\/span>prania <\/span>pieni\u0119dzy. <\/span>Czy <\/span>jednak <\/span>wystarcz\u0105, <\/span>aby <\/span>ca\u0142kowicie <\/span>wyeliminowa\u0107 <\/span>zagro\u017cenie? <\/span>I <\/span>czy <\/span>agent <\/span>ubezpieczeniowy, <\/span>kt\u00f3ry <\/span>na <\/span>co <\/span>dzie\u0144 <\/span>zajmuje <\/span>si\u0119 <\/span>sprzeda\u017c\u0105 <\/span>polis, <\/span>rzeczywi\u015bcie <\/span>mo\u017ce <\/span>zetkn\u0105\u0107 <\/span>si\u0119 <\/span>z <\/span>pr\u00f3b\u0105 <\/span>legalizowania <\/span>\u015brodk\u00f3w <\/span>pochodz\u0105cych <\/span>z <\/span>przest\u0119pstwa?<\/span><\/span><\/p>\n\n\n\n

W <\/span>przerwie <\/span>jednego <\/span>ze <\/span>szkole\u0144 <\/span>by\u0142em <\/span>przypadkowym <\/span>\u015bwiadkiem <\/span>dyskusji <\/span>dystrybutor\u00f3w <\/span>ubezpiecze\u0144 <\/span>\u2013 <\/span>agent\u00f3w <\/span>i <\/span>os\u00f3b <\/span>wykonuj\u0105cych <\/span>czynno\u015bci <\/span>agencyjne <\/span>(OFWCA) <\/span>\u2013 <\/span>na <\/span>temat <\/span>prania <\/span>pieni\u0119dzy <\/span>w <\/span>codziennej <\/span>pracy <\/span>agencyjnej. <\/span>Bezpo\u015brednim <\/span>impulsem <\/span>do <\/span>rozmowy <\/span>by\u0142a <\/span>kr\u00f3tka <\/span>wzmianka <\/span>prowadz\u0105cego <\/span>szkolenie <\/span>o <\/span>mo\u017cliwo\u015bci <\/span>wyst\u0119powania <\/span>tego <\/span>rodzaju <\/span>zagro\u017ce\u0144, <\/span>bez <\/span>szerszego <\/span>rozwini\u0119cia <\/span>tematu.<\/span><\/p>\n\n\n\n

W <\/span>dyskusji <\/span>przewa\u017ca\u0142y <\/span>opinie, <\/span>\u017ce <\/span>problem <\/span>w <\/span>praktyce <\/span>nie <\/span>istnieje, <\/span>ewentualnie <\/span>mo\u017ce <\/span>dotyczy\u0107 <\/span>du\u017cych <\/span>ubezpiecze\u0144 <\/span>korporacyjnych, <\/span>a <\/span>sporadycznie <\/span>r\u00f3wnie\u017c <\/span>ubezpiecze\u0144 <\/span>na <\/span>\u017cycie. <\/span>Rozmow\u0119 <\/span>zako\u0144czy\u0142o <\/span>stwierdzenie, <\/span>kt\u00f3re <\/span>spotka\u0142o <\/span>si\u0119 <\/span>z <\/span>powszechn\u0105 <\/span>aprobat\u0105: <\/span>\u201eProblemu <\/span>nie <\/span>ma, <\/span>przejmowa\u0107 <\/span>si\u0119 <\/span>nim <\/span>nie <\/span>trzeba, <\/span>ale <\/span>warto <\/span>o <\/span>nim <\/span>wiedzie\u0107\u201d.<\/span><\/p>\n\n\n\n

To <\/span>w\u0142a\u015bnie <\/span>ta <\/span>rozmowa <\/span>sta\u0142a <\/span>si\u0119 <\/span>inspiracj\u0105 <\/span>do <\/span>przyjrzenia <\/span>si\u0119 <\/span>zagadnieniu <\/span>bli\u017cej.<\/span><\/p>\n\n\n\n

Pytanie, <\/span>jakie <\/span>sobie <\/span>postawi\u0142em, <\/span>brzmi: <\/span>czy <\/span>i <\/span>w <\/span>jaki <\/span>spos\u00f3b <\/span>sektor <\/span>dystrybucji <\/span>ubezpiecze\u0144 <\/span>mo\u017ce <\/span>zosta\u0107 <\/span>wykorzystany <\/span>do <\/span>legalizowania <\/span>\u015brodk\u00f3w <\/span>pochodz\u0105cych <\/span>z <\/span>przest\u0119pstwa?<\/span><\/span><\/p>\n\n\n\n

Procedury <\/span>s\u0105. <\/span>Czy <\/span>to <\/span>oznacza, <\/span>\u017ce <\/span>ryzyko <\/span>zosta\u0142o <\/span>wyeliminowane?<\/span><\/h2>\n\n\n\n

Bran\u017ca <\/span>ubezpieczeniowa <\/span>zna <\/span>problem <\/span>przeciwdzia\u0142ania <\/span>praniu <\/span>pieni\u0119dzy. <\/span>Zak\u0142ady <\/span>ubezpiecze\u0144 <\/span>wdro\u017cy\u0142y <\/span>odpowiednie <\/span>procedury, <\/span>prowadz\u0105 <\/span>wewn\u0119trzne <\/span>polityki <\/span>kontroli <\/span>i <\/span>nadzoru. <\/span>Multiagencje <\/span>r\u00f3wnie\u017c <\/span>podejmuj\u0105 <\/span>dzia\u0142ania <\/span>w <\/span>tym <\/span>zakresie, <\/span>przyjmuj\u0105c <\/span>w\u0142asne <\/span>programy <\/span>i <\/span>instrukcje <\/span>post\u0119powania.<\/span><\/p>\n\n\n\n

Osoby <\/span>wykonuj\u0105ce <\/span>czynno\u015bci <\/span>agencyjne <\/span>w <\/span>obszarze <\/span>ubezpiecze\u0144 <\/span>na <\/span>\u017cycie <\/span>uczestnicz\u0105 <\/span>w <\/span>szkoleniach, <\/span>poznaj\u0105 <\/span>obowi\u0105zuj\u0105ce <\/span>zasady <\/span>i <\/span>otrzymuj\u0105 <\/span>potwierdzenia <\/span>ich <\/span>uko\u0144czenia.<\/span><\/p>\n\n\n\n

Mo\u017cna <\/span>wi\u0119c <\/span>odnie\u015b\u0107 <\/span>wra\u017cenie, <\/span>\u017ce <\/span>system <\/span>jest <\/span>szczelny, <\/span>a <\/span>ryzyko <\/span>prania <\/span>pieni\u0119dzy <\/span>w <\/span>dystrybucji <\/span>ubezpiecze\u0144 <\/span>zosta\u0142o <\/span>praktycznie <\/span>wyeliminowane.<\/span><\/p>\n\n\n\n

Czy jednak rzeczywi\u015bcie tak jest?<\/p>\n\n\n\n

Samo <\/span>wdro\u017cenie <\/span>procedur <\/span>nie <\/span>oznacza <\/span>jeszcze, <\/span>\u017ce <\/span>wszystkie <\/span>potencjalne <\/span>zagro\u017cenia <\/span>zostan\u0105 <\/span>rozpoznane. <\/span>Szczeg\u00f3lnie <\/span>wtedy, <\/span>gdy <\/span>transakcja <\/span>jest <\/span>formalnie <\/span>poprawna, <\/span>ale <\/span>jej <\/span>ekonomiczne <\/span>uzasadnienie <\/span>budzi <\/span>w\u0105tpliwo\u015bci.<\/span><\/p>\n\n\n\n

Jak <\/span>mo\u017cna <\/span>wykorzysta\u0107 <\/span>ubezpieczenie <\/span>do <\/span>prania <\/span>pieni\u0119dzy?<\/span><\/h2>\n\n\n\n

Pranie <\/span>pieni\u0119dzy <\/span>w <\/span>sektorze <\/span>ubezpieczeniowym <\/span>polega <\/span>na <\/span>wykorzystaniu <\/span>produkt\u00f3w, <\/span>transakcji <\/span>lub <\/span>mechanizm\u00f3w <\/span>zwi\u0105zanych <\/span>z <\/span>ubezpieczeniami <\/span>do <\/span>ukrycia <\/span>przest\u0119pczego <\/span>pochodzenia <\/span>\u015brodk\u00f3w <\/span>finansowych <\/span>i <\/span>nadania <\/span>im <\/span>pozor\u00f3w <\/span>legalno\u015bci.<\/span><\/p>\n\n\n\n

Szczeg\u00f3lne <\/span>znaczenie <\/span>maj\u0105 <\/span>tutaj <\/span>ubezpieczenia <\/span>na <\/span>\u017cycie, <\/span>produkty <\/span>o <\/span>charakterze <\/span>inwestycyjnym <\/span>i <\/span>oszcz\u0119dno\u015bciowym, <\/span>ale <\/span>potencjalne <\/span>nieprawid\u0142owo\u015bci <\/span>mog\u0105 <\/span>pojawia\u0107 <\/span>si\u0119 <\/span>r\u00f3wnie\u017c <\/span>w <\/span>innych <\/span>segmentach <\/span>rynku.<\/span><\/p>\n\n\n\n

Proces <\/span>prania <\/span>pieni\u0119dzy <\/span>opisuje <\/span>si\u0119 <\/span>zazwyczaj <\/span>za <\/span>pomoc\u0105 <\/span>trzech <\/span>etap\u00f3w: <\/span>lokowania, <\/span>maskowania <\/span>oraz <\/span>integrowania <\/span>\u015brodk\u00f3w <\/span>z <\/span>legalnym <\/span>obrotem <\/span>gospodarczym.<\/span><\/p>\n\n\n\n

W <\/span>praktyce <\/span>ubezpieczeniowej <\/span>mo\u017cna <\/span>wskaza\u0107 <\/span>kilka <\/span>mechanizm\u00f3w, <\/span>kt\u00f3re <\/span>potencjalnie <\/span>mog\u0105 <\/span>zosta\u0107 <\/span>wykorzystane <\/span>do <\/span>takich <\/span>dzia\u0142a\u0144.<\/span><\/p>\n\n\n\n

1. <\/span>Zakup <\/span>polisy <\/span>i <\/span>szybka <\/span>rezygnacja <\/span>z <\/span>ubezpieczenia<\/span><\/h3>\n\n\n\n

Jednym <\/span>z <\/span>mo\u017cliwych <\/span>mechanizm\u00f3w <\/span>jest <\/span>zakup <\/span>polisy <\/span>inwestycyjnej, <\/span>na <\/span>przyk\u0142ad <\/span>z <\/span>wysok\u0105 <\/span>sk\u0142adk\u0105 <\/span>jednorazow\u0105, <\/span>a <\/span>nast\u0119pnie <\/span>rezygnacja <\/span>z <\/span>umowy <\/span>po <\/span>stosunkowo <\/span>kr\u00f3tkim <\/span>czasie.<\/span><\/p>\n\n\n\n

\u015arodki <\/span>pochodz\u0105ce <\/span>z <\/span>przest\u0119pstwa <\/span>zostaj\u0105 <\/span>wp\u0142acone <\/span>do <\/span>zak\u0142adu <\/span>ubezpiecze\u0144, <\/span>po <\/span>czym <\/span>klient <\/span>odst\u0119puje <\/span>od <\/span>umowy <\/span>lub <\/span>dokonuje <\/span>jej <\/span>wcze\u015bniejszego <\/span>rozwi\u0105zania.<\/span><\/p>\n\n\n\n

W <\/span>rezultacie <\/span>otrzymuje <\/span>zwrot <\/span>\u015brodk\u00f3w <\/span>albo <\/span>wyp\u0142at\u0119 <\/span>warto\u015bci <\/span>wykupu, <\/span>niekiedy <\/span>pomniejszon\u0105 <\/span>o <\/span>przewidziane <\/span>umow\u0105 <\/span>op\u0142aty.<\/span><\/p>\n\n\n\n

Pieni\u0105dze <\/span>trafiaj\u0105 <\/span>na <\/span>rachunek <\/span>klienta <\/span>jako <\/span>przelew <\/span>od <\/span>zak\u0142adu <\/span>ubezpiecze\u0144, <\/span>co <\/span>mo\u017ce <\/span>s\u0142u\u017cy\u0107 <\/span>stworzeniu <\/span>pozor\u00f3w <\/span>ich <\/span>legalnego <\/span>pochodzenia.<\/span><\/p>\n\n\n\n

Nie <\/span>oznacza <\/span>to <\/span>oczywi\u015bcie, <\/span>\u017ce <\/span>ka\u017cda <\/span>wcze\u015bniejsza <\/span>rezygnacja <\/span>z <\/span>polisy <\/span>powinna <\/span>budzi\u0107 <\/span>podejrzenia. <\/span>Istotne <\/span>s\u0105 <\/span>okoliczno\u015bci <\/span>transakcji, <\/span>jej <\/span>skala <\/span>oraz <\/span>rzeczywisty <\/span>cel <\/span>ekonomiczny.<\/span><\/p>\n\n\n\n

2. <\/span>Nadp\u0142aty <\/span>i <\/span>zwroty <\/span>sk\u0142adek<\/span><\/h3>\n\n\n\n

Innym <\/span>potencjalnym <\/span>mechanizmem <\/span>s\u0105 <\/span>celowe <\/span>nadp\u0142aty <\/span>sk\u0142adek <\/span>ubezpieczeniowych.<\/span><\/p>\n\n\n\n

Ubezpieczaj\u0105cy <\/span>wp\u0142aca <\/span>kwot\u0119 <\/span>wy\u017csz\u0105 <\/span>od <\/span>nale\u017cnej, <\/span>a <\/span>nast\u0119pnie <\/span>wyst\u0119puje <\/span>o <\/span>zwrot <\/span>powsta\u0142ej <\/span>nadwy\u017cki.<\/span><\/p>\n\n\n\n

Mo\u017ce <\/span>r\u00f3wnie\u017c <\/span>doj\u015b\u0107 <\/span>do <\/span>podw\u00f3jnego <\/span>op\u0142acenia <\/span>sk\u0142adki, <\/span>na <\/span>przyk\u0142ad <\/span>przez <\/span>ubezpieczaj\u0105cego <\/span>i <\/span>ubezpieczonego <\/span>w <\/span>ramach <\/span>umowy <\/span>zawartej <\/span>na <\/span>rzecz <\/span>osoby <\/span>trzeciej.<\/span><\/p>\n\n\n\n

Je\u017celi <\/span>taka <\/span>operacja <\/span>nie <\/span>ma <\/span>przekonuj\u0105cego <\/span>uzasadnienia, <\/span>mo\u017ce <\/span>stanowi\u0107 <\/span>sygna\u0142 <\/span>wymagaj\u0105cy <\/span>dodatkowej <\/span>analizy.<\/span><\/p>\n\n\n\n

Warto <\/span>przy <\/span>tym <\/span>pami\u0119ta\u0107, <\/span>\u017ce <\/span>mo\u017cliwo\u015b\u0107 <\/span>realizacji <\/span>takich <\/span>operacji <\/span>zale\u017cy <\/span>od <\/span>zasad <\/span>obs\u0142ugi <\/span>p\u0142atno\u015bci <\/span>i <\/span>procedur <\/span>stosowanych <\/span>przez <\/span>dany <\/span>zak\u0142ad <\/span>ubezpiecze\u0144.<\/span><\/p>\n\n\n\n

3. <\/span>Zmiana <\/span>uposa\u017conego <\/span>lub <\/span>cesja <\/span>praw <\/span>z <\/span>polisy<\/span><\/h3>\n\n\n\n

Kolejnym <\/span>obszarem <\/span>potencjalnego <\/span>ryzyka <\/span>jest <\/span>przenoszenie <\/span>praw <\/span>zwi\u0105zanych <\/span>z <\/span>umow\u0105 <\/span>ubezpieczenia <\/span>na <\/span>inne <\/span>osoby <\/span>lub <\/span>podmioty.<\/span><\/p>\n\n\n\n

Mo\u017ce <\/span>to <\/span>polega\u0107 <\/span>na <\/span>zmianie <\/span>osoby <\/span>uprawnionej <\/span>do <\/span>otrzymania <\/span>\u015bwiadczenia <\/span>albo <\/span>dokonaniu <\/span>cesji <\/span>praw <\/span>z <\/span>polisy <\/span>na <\/span>rzecz <\/span>osoby <\/span>trzeciej.<\/span><\/p>\n\n\n\n

W <\/span>okre\u015blonych <\/span>okoliczno\u015bciach <\/span>takie <\/span>dzia\u0142ania <\/span>mog\u0105 <\/span>s\u0142u\u017cy\u0107 <\/span>ukrywaniu <\/span>rzeczywistych <\/span>powi\u0105za\u0144 <\/span>mi\u0119dzy <\/span>uczestnikami <\/span>transakcji.<\/span><\/p>\n\n\n\n

Nale\u017cy <\/span>jednak <\/span>rozr\u00f3\u017cni\u0107 <\/span>zmian\u0119 <\/span>uposa\u017conego <\/span>od <\/span>cesji <\/span>praw <\/span>z <\/span>umowy. <\/span>S\u0105 <\/span>to <\/span>odr\u0119bne <\/span>czynno\u015bci <\/span>prawne, <\/span>o <\/span>r\u00f3\u017cnych <\/span>skutkach, <\/span>kt\u00f3rych <\/span>dopuszczalno\u015b\u0107 <\/span>i <\/span>spos\u00f3b <\/span>realizacji <\/span>zale\u017c\u0105 <\/span>od <\/span>charakteru <\/span>ubezpieczenia <\/span>oraz <\/span>warunk\u00f3w <\/span>umowy.<\/span><\/p>\n\n\n\n

4. <\/span>Wykorzystanie <\/span>polisy <\/span>jako <\/span>zabezpieczenia <\/span>zobowi\u0105za\u0144<\/span><\/h3>\n\n\n\n

Polisa <\/span>ubezpieczeniowa <\/span>posiadaj\u0105ca <\/span>okre\u015blon\u0105 <\/span>warto\u015b\u0107 <\/span>maj\u0105tkow\u0105 <\/span>mo\u017ce, <\/span>w <\/span>odpowiednich <\/span>warunkach, <\/span>zosta\u0107 <\/span>wykorzystana <\/span>jako <\/span>element <\/span>zabezpieczenia <\/span>kredytu <\/span>lub <\/span>po\u017cyczki.<\/span><\/p>\n\n\n\n

Je\u017celi <\/span>\u015brodki <\/span>stanowi\u0105ce <\/span>ekonomiczn\u0105 <\/span>podstaw\u0119 <\/span>takiego <\/span>zabezpieczenia <\/span>pochodz\u0105 <\/span>z <\/span>przest\u0119pstwa, <\/span>konstrukcja <\/span>ta <\/span>mo\u017ce <\/span>zosta\u0107 <\/span>wykorzystana <\/span>do <\/span>tworzenia <\/span>pozor\u00f3w <\/span>legalno\u015bci <\/span>dalszych <\/span>operacji <\/span>finansowych.<\/span><\/p>\n\n\n\n

Nie <\/span>ka\u017cda <\/span>polisa <\/span>mo\u017ce <\/span>jednak <\/span>pe\u0142ni\u0107 <\/span>tak\u0105 <\/span>funkcj\u0119. <\/span>Znaczenie <\/span>maj\u0105 <\/span>jej <\/span>charakter, <\/span>warto\u015b\u0107, <\/span>mo\u017cliwo\u015b\u0107 <\/span>ustanowienia <\/span>zabezpieczenia <\/span>oraz <\/span>warunki <\/span>zaakceptowane <\/span>przez <\/span>finansuj\u0105cego.<\/span><\/p>\n\n\n\n

Kogo <\/span>dotycz\u0105 <\/span>obowi\u0105zki <\/span>wynikaj\u0105ce <\/span>z <\/span>przepis\u00f3w <\/span>AML?<\/span><\/h2>\n\n\n\n

Podstawowym <\/span>aktem <\/span>prawnym <\/span>reguluj\u0105cym <\/span>przeciwdzia\u0142anie <\/span>praniu <\/span>pieni\u0119dzy <\/span>i <\/span>finansowaniu <\/span>terroryzmu <\/span>w <\/span>Polsce <\/span>jest <\/span>ustawa <\/span>z <\/span>1 <\/span>marca <\/span>2018 <\/span>r. <\/span>o <\/span>przeciwdzia\u0142aniu <\/span>praniu <\/span>pieni\u0119dzy <\/span>oraz <\/span>finansowaniu <\/span>terroryzmu, <\/span>z <\/span>p\u00f3\u017aniejszymi <\/span>zmianami.<\/span><\/p>\n\n\n\n

Zgodnie <\/span>z <\/span>art. <\/span>2 <\/span>ust. <\/span>1 <\/span>pkt <\/span>8 <\/span>i <\/span>9 <\/span>tej <\/span>ustawy <\/span>do <\/span>instytucji <\/span>obowi\u0105zanych <\/span>zalicza <\/span>si\u0119 <\/span>mi\u0119dzy <\/span>innymi <\/span>zak\u0142ady <\/span>ubezpiecze\u0144 <\/span>prowadz\u0105ce <\/span>dzia\u0142alno\u015b\u0107 <\/span>w <\/span>Dziale <\/span>I <\/span>oraz <\/span>po\u015brednik\u00f3w <\/span>ubezpieczeniowych <\/span>wykonuj\u0105cych <\/span>czynno\u015bci <\/span>w <\/span>zakresie <\/span>ubezpiecze\u0144 <\/span>na <\/span>\u017cycie, <\/span>z <\/span>okre\u015blonym <\/span>ustawowo <\/span>wy\u0142\u0105czeniem <\/span>dotycz\u0105cym <\/span>agent\u00f3w <\/span>dzia\u0142aj\u0105cych <\/span>na <\/span>rzecz <\/span>jednego <\/span>zak\u0142adu <\/span>ubezpiecze\u0144. <\/span><\/span><\/span><\/span><\/p>\n\n\n\n

W <\/span>praktyce <\/span>oznacza <\/span>to, <\/span>\u017ce <\/span>obowi\u0105zki <\/span>AML <\/span>dotycz\u0105 <\/span>mi\u0119dzy <\/span>innymi <\/span>multiagent\u00f3w <\/span>i <\/span>broker\u00f3w <\/span>prowadz\u0105cych <\/span>po\u015brednictwo <\/span>w <\/span>ubezpieczeniach <\/span>na <\/span>\u017cycie.<\/span><\/p>\n\n\n\n

W <\/span>przypadku <\/span>agent\u00f3w <\/span>dzia\u0142aj\u0105cych <\/span>na <\/span>rzecz <\/span>jednego <\/span>zak\u0142adu <\/span>ubezpiecze\u0144 <\/span>istotne <\/span>jest <\/span>dodatkowo, <\/span>czy <\/span>pobieraj\u0105 <\/span>sk\u0142adki <\/span>od <\/span>klient\u00f3w <\/span>lub <\/span>kwoty <\/span>nale\u017cne <\/span>klientom <\/span>od <\/span>zak\u0142adu <\/span>ubezpiecze\u0144.<\/span><\/p>\n\n\n\n

Je\u017celi <\/span>agent <\/span>dzia\u0142a <\/span>na <\/span>rzecz <\/span>jednego <\/span>ubezpieczyciela <\/span>w <\/span>ramach <\/span>tego <\/span>samego <\/span>dzia\u0142u <\/span>i <\/span>nie <\/span>wykonuje <\/span>wskazanych <\/span>operacji <\/span>finansowych, <\/span>mo\u017ce <\/span>korzysta\u0107 <\/span>z <\/span>ustawowego <\/span>wy\u0142\u0105czenia.<\/span><\/p>\n\n\n\n

Warto <\/span>podkre\u015bli\u0107, <\/span>\u017ce <\/span>status <\/span>instytucji <\/span>obowi\u0105zanej <\/span>nale\u017cy <\/span>ocenia\u0107 <\/span>w <\/span>odniesieniu <\/span>do <\/span>konkretnego <\/span>podmiotu <\/span>i <\/span>charakteru <\/span>wykonywanej <\/span>dzia\u0142alno\u015bci. <\/span>Sam <\/span>fakt <\/span>posiadania <\/span>uprawnie\u0144 <\/span>OFWCA <\/span>nie <\/span>przes\u0105dza <\/span>automatycznie <\/span>o <\/span>uzyskaniu <\/span>takiego <\/span>statusu.<\/span><\/p>\n\n\n\n

Regulacje <\/span>AML <\/span>koncentruj\u0105 <\/span>si\u0119 <\/span>przede <\/span>wszystkim <\/span>na <\/span>ubezpieczeniach <\/span>na <\/span>\u017cycie, <\/span>w <\/span>szczeg\u00f3lno\u015bci <\/span>produktach <\/span>inwestycyjnych <\/span>i <\/span>oszcz\u0119dno\u015bciowych, <\/span>takich <\/span>jak <\/span>ubezpieczenia <\/span>z <\/span>ubezpieczeniowym <\/span>funduszem <\/span>kapita\u0142owym <\/span>(UFK).<\/span><\/p>\n\n\n\n

Ubezpieczenia <\/span>maj\u0105tkowe, <\/span>komunikacyjne <\/span>czy <\/span>turystyczne <\/span>co <\/span>do <\/span>zasady <\/span>nie <\/span>s\u0105 <\/span>obj\u0119te <\/span>analogicznym <\/span>zakresem <\/span>obowi\u0105zk\u00f3w <\/span>AML <\/span>wynikaj\u0105cych <\/span>z <\/span>samego <\/span>po\u015brednictwa <\/span>ubezpieczeniowego.<\/span><\/p>\n\n\n\n

Nie <\/span>oznacza <\/span>to <\/span>jednak, <\/span>\u017ce <\/span>w <\/span>tych <\/span>segmentach <\/span>nie <\/span>mog\u0105 <\/span>wyst\u0119powa\u0107 <\/span>nieprawid\u0142owo\u015bci <\/span>finansowe <\/span>lub <\/span>inne <\/span>mechanizmy <\/span>przest\u0119pcze.<\/span><\/p>\n\n\n\n

Jakie <\/span>obowi\u0105zki <\/span>spoczywaj\u0105 <\/span>na <\/span>dystrybutorach <\/span>ubezpiecze\u0144?<\/span><\/h2>\n\n\n\n

Instytucje <\/span>obowi\u0105zane <\/span>musz\u0105 <\/span>stosowa\u0107 <\/span>\u015brodki <\/span>bezpiecze\u0144stwa <\/span>finansowego <\/span>i <\/span>odpowiednie <\/span>procedury <\/span>organizacyjne. <\/span>Ich <\/span>zakres <\/span>powinien <\/span>uwzgl\u0119dnia\u0107 <\/span>charakter <\/span>dzia\u0142alno\u015bci <\/span>oraz <\/span>ocen\u0119 <\/span>ryzyka.<\/span><\/p>\n\n\n\n

Z <\/span>punktu <\/span>widzenia <\/span>praktyki <\/span>agencyjnej <\/span>szczeg\u00f3lne <\/span>znaczenie <\/span>maj\u0105 <\/span>cztery <\/span>obszary.<\/span><\/p>\n\n\n\n

Identyfikacja <\/span>i <\/span>weryfikacja <\/span>klienta<\/span><\/b><\/span><\/p>\n\n\n\n

Dystrybutor <\/span>obj\u0119ty <\/span>obowi\u0105zkami <\/span>AML <\/span>musi <\/span>realizowa\u0107 <\/span>odpowiednie <\/span>czynno\u015bci <\/span>zwi\u0105zane <\/span>z <\/span>identyfikacj\u0105 <\/span>i <\/span>weryfikacj\u0105 <\/span>klienta, <\/span>a <\/span>w <\/span>wymaganych <\/span>przypadkach <\/span>r\u00f3wnie\u017c <\/span>beneficjenta <\/span>rzeczywistego.<\/span><\/p>\n\n\n\n

Ustawa <\/span>dopuszcza <\/span>mi\u0119dzy <\/span>innymi <\/span>sporz\u0105dzanie <\/span>kopii <\/span>dokument\u00f3w <\/span>to\u017csamo\u015bci <\/span>na <\/span>potrzeby <\/span>stosowania <\/span>\u015brodk\u00f3w <\/span>bezpiecze\u0144stwa <\/span>finansowego. <\/span>Nie <\/span>oznacza <\/span>to <\/span>jednak, <\/span>\u017ce <\/span>kopiowanie <\/span>dokumentu <\/span>jest <\/span>automatycznie <\/span>konieczne <\/span>w <\/span>ka\u017cdej <\/span>sytuacji.<\/span><\/p>\n\n\n\n

W <\/span>praktyce <\/span>istotne <\/span>znaczenie <\/span>ma <\/span>wsp\u00f3\u0142praca <\/span>z <\/span>zak\u0142adem <\/span>ubezpiecze\u0144, <\/span>szczeg\u00f3lnie <\/span>przy <\/span>bardziej <\/span>z\u0142o\u017conych <\/span>umowach <\/span>lub <\/span>transakcjach <\/span>o <\/span>podwy\u017cszonym <\/span>ryzyku.<\/span><\/p>\n\n\n\n

Ocena <\/span>ryzyka <\/span>transakcji<\/span><\/b><\/span><\/p>\n\n\n\n

Kolejnym <\/span>elementem <\/span>jest <\/span>ocena, <\/span>czy <\/span>charakter <\/span>transakcji, <\/span>wysoko\u015b\u0107 <\/span>sk\u0142adki, <\/span>\u017ar\u00f3d\u0142o <\/span>pochodzenia <\/span>\u015brodk\u00f3w <\/span>lub <\/span>zachowanie <\/span>klienta <\/span>nie <\/span>wskazuj\u0105 <\/span>na <\/span>podwy\u017cszone <\/span>ryzyko.<\/span><\/p>\n\n\n\n

Pomocne <\/span>mog\u0105 <\/span>by\u0107 <\/span>informacje <\/span>uzyskane <\/span>podczas <\/span>analizy <\/span>potrzeb <\/span>klienta <\/span>(APK), <\/span>jednak <\/span>nale\u017cy <\/span>pami\u0119ta\u0107, <\/span>\u017ce <\/span>APK <\/span>i <\/span>analiza <\/span>ryzyka <\/span>AML <\/span>s\u0142u\u017c\u0105 <\/span>r\u00f3\u017cnym <\/span>celom <\/span>i <\/span>nie <\/span>mog\u0105 <\/span>by\u0107 <\/span>traktowane <\/span>jako <\/span>procedury <\/span>wzajemnie <\/span>si\u0119 <\/span>zast\u0119puj\u0105ce.<\/span><\/p>\n\n\n\n

Procedury <\/span>wewn\u0119trzne <\/span>i <\/span>szkolenia<\/span><\/b><\/span><\/p>\n\n\n\n

Dystrybutor <\/span>powinien <\/span>zna\u0107 <\/span>i <\/span>stosowa\u0107 <\/span>procedury <\/span>obowi\u0105zuj\u0105ce <\/span>w <\/span>organizacji, <\/span>w <\/span>kt\u00f3rej <\/span>wykonuje <\/span>czynno\u015bci.<\/span><\/p>\n\n\n\n

Dotyczy <\/span>to <\/span>zar\u00f3wno <\/span>zasad <\/span>identyfikowania <\/span>nieprawid\u0142owo\u015bci, <\/span>jak <\/span>i <\/span>sposobu <\/span>ich <\/span>zg\u0142aszania <\/span>odpowiednim <\/span>osobom <\/span>lub <\/span>jednostkom.<\/span><\/p>\n\n\n\n

Wa\u017cn\u0105 <\/span>rol\u0119 <\/span>odgrywaj\u0105 <\/span>r\u00f3wnie\u017c <\/span>szkolenia <\/span>i <\/span>aktualizowanie <\/span>wiedzy. <\/span>Nie <\/span>wystarczy <\/span>bowiem <\/span>jednorazowe <\/span>zapoznanie <\/span>si\u0119 <\/span>z <\/span>instrukcj\u0105, <\/span>je\u015bli <\/span>pracownik <\/span>nie <\/span>potrafi <\/span>rozpozna\u0107 <\/span>nietypowej <\/span>sytuacji <\/span>w <\/span>praktyce.<\/span><\/p>\n\n\n\n

Zawiadamianie <\/span>o <\/span>podejrzanych <\/span>transakcjach<\/span><\/b><\/span><\/p>\n\n\n\n

W <\/span>przypadku <\/span>podejrzenia <\/span>prania <\/span>pieni\u0119dzy <\/span>zastosowanie <\/span>znajduj\u0105 <\/span>ustawowe <\/span>zasady <\/span>przekazywania <\/span>zawiadomie\u0144 <\/span>do <\/span>Generalnego <\/span>Inspektora <\/span>Informacji <\/span>Finansowej <\/span>(GIIF).<\/span><\/p>\n\n\n\n

W <\/span>praktyce <\/span>agencyjnej <\/span>kluczowe <\/span>znaczenie <\/span>ma <\/span>w\u0142a\u015bciwy <\/span>obieg <\/span>informacji. <\/span>Osoba <\/span>wykonuj\u0105ca <\/span>czynno\u015bci <\/span>agencyjne <\/span>powinna <\/span>wiedzie\u0107, <\/span>komu <\/span>i <\/span>w <\/span>jaki <\/span>spos\u00f3b <\/span>przekaza\u0107 <\/span>informacje <\/span>o <\/span>okoliczno\u015bciach <\/span>budz\u0105cych <\/span>podejrzenia.<\/span><\/p>\n\n\n\n

Samo <\/span>zg\u0142oszenie <\/span>wewn\u0119trzne <\/span>nie <\/span>powinno <\/span>by\u0107 <\/span>jednak <\/span>uto\u017csamiane <\/span>z <\/span>automatycznym <\/span>wykonaniem <\/span>wszystkich <\/span>obowi\u0105zk\u00f3w <\/span>ustawowych <\/span>przez <\/span>instytucj\u0119 <\/span>obowi\u0105zan\u0105.<\/span><\/p>\n\n\n\n

Konsekwencje <\/span>naruszenia <\/span>przepis\u00f3w <\/span>mog\u0105 <\/span>by\u0107 <\/span>powa\u017cne<\/span><\/h2>\n\n\n\n

Niedope\u0142nienie <\/span>obowi\u0105zk\u00f3w <\/span>wynikaj\u0105cych <\/span>z <\/span>ustawy <\/span>AML <\/span>mo\u017ce <\/span>skutkowa\u0107 <\/span>sankcjami <\/span>administracyjnymi, <\/span>w <\/span>tym <\/span>karami <\/span>pieni\u0119\u017cnymi. <\/span>Zakres <\/span>odpowiedzialno\u015bci <\/span>zale\u017cy <\/span>od <\/span>charakteru <\/span>naruszenia <\/span>oraz <\/span>statusu <\/span>danego <\/span>podmiotu.<\/span><\/p>\n\n\n\n

Odr\u0119bn\u0105 <\/span>kwesti\u0105 <\/span>jest <\/span>odpowiedzialno\u015b\u0107 <\/span>karna <\/span>za <\/span>udzia\u0142 <\/span>w <\/span>procederze <\/span>prania <\/span>pieni\u0119dzy.<\/span><\/p>\n\n\n\n

Zgodnie <\/span>z <\/span>art. <\/span>299 <\/span>\u00a7 <\/span>1 <\/span>Kodeksu <\/span>karnego <\/span>podstawowy <\/span>typ <\/span>przest\u0119pstwa <\/span>prania <\/span>pieni\u0119dzy <\/span>zagro\u017cony <\/span>jest <\/span>kar\u0105 <\/span>pozbawienia <\/span>wolno\u015bci <\/span>od <\/span>6 <\/span>miesi\u0119cy <\/span>do <\/span>8 <\/span>lat. <\/span>Ustawa <\/span>przewiduje <\/span>r\u00f3wnie\u017c <\/span>surowsz\u0105 <\/span>odpowiedzialno\u015b\u0107 <\/span>w <\/span>okre\u015blonych <\/span>przypadkach <\/span>kwalifikowanych. <\/span><\/span><\/span><\/span><\/p>\n\n\n\n

Warto <\/span>wi\u0119c <\/span>odr\u00f3\u017cnia\u0107 <\/span>odpowiedzialno\u015b\u0107 <\/span>za <\/span>naruszenie <\/span>procedur <\/span>AML <\/span>od <\/span>odpowiedzialno\u015bci <\/span>za <\/span>\u015bwiadome <\/span>uczestnictwo <\/span>w <\/span>przest\u0119pczym <\/span>procederze.<\/span><\/p>\n\n\n\n

Formalnie <\/span>poprawna <\/span>transakcja <\/span>te\u017c <\/span>mo\u017ce <\/span>budzi\u0107 <\/span>w\u0105tpliwo\u015bci<\/span><\/h2>\n\n\n\n

Najwa\u017cniejszym <\/span>zabezpieczeniem <\/span>pozostaje <\/span>umiej\u0119tno\u015b\u0107 <\/span>rozpoznania <\/span>sytuacji, <\/span>w <\/span>kt\u00f3rej <\/span>formalnie <\/span>poprawna <\/span>transakcja <\/span>nie <\/span>ma <\/span>przekonuj\u0105cego <\/span>uzasadnienia <\/span>ekonomicznego.<\/span><\/p>\n\n\n\n

Sygna\u0142em <\/span>ostrzegawczym <\/span>dla <\/span>dystrybutora <\/span>lub <\/span>zak\u0142adu <\/span>ubezpiecze\u0144 <\/span>mo\u017ce <\/span>by\u0107 <\/span>mi\u0119dzy <\/span>innymi <\/span>nietypowa <\/span>konstrukcja <\/span>wynagrodzenia, <\/span>niejasna <\/span>rola <\/span>kolejnych <\/span>po\u015brednik\u00f3w, <\/span>oferta <\/span>wyra\u017anie <\/span>odbiegaj\u0105ca <\/span>od <\/span>reali\u00f3w <\/span>ekonomicznych <\/span>czy <\/span>okoliczno\u015bci <\/span>wyboru <\/span>konkretnego <\/span>dystrybutora, <\/span>kt\u00f3rych <\/span>nie <\/span>spos\u00f3b <\/span>wyja\u015bni\u0107 <\/span>interesem <\/span>klienta.<\/span><\/p>\n\n\n\n

Nie <\/span>ka\u017cda <\/span>nietypowa <\/span>transakcja <\/span>oznacza <\/span>oczywi\u015bcie <\/span>przest\u0119pstwo. <\/span>Jednak <\/span>zestaw <\/span>okoliczno\u015bci, <\/span>kt\u00f3re <\/span>trudno <\/span>racjonalnie <\/span>uzasadni\u0107, <\/span>powinien <\/span>sk\u0142ania\u0107 <\/span>do <\/span>wi\u0119kszej <\/span>ostro\u017cno\u015bci.<\/span><\/p>\n\n\n\n

Procedury <\/span>s\u0105 <\/span>potrzebne, <\/span>ale <\/span>dzia\u0142aj\u0105 <\/span>przede <\/span>wszystkim <\/span>w <\/span>zakresie <\/span>informacji, <\/span>kt\u00f3re <\/span>trafiaj\u0105 <\/span>do <\/span>systemu <\/span>kontroli.<\/span><\/p>\n\n\n\n

Je\u017celi <\/span>nieoficjalna <\/span>korzy\u015b\u0107 <\/span>uzyskiwana <\/span>przez <\/span>klienta, <\/span>po\u015brednika <\/span>lub <\/span>inn\u0105 <\/span>osob\u0119 <\/span>pozostaje <\/span>poza <\/span>oficjalnym <\/span>obiegiem <\/span>informacji, <\/span>jej <\/span>wykrycie <\/span>mo\u017ce <\/span>by\u0107 <\/span>znacznie <\/span>trudniejsze.<\/span><\/p>\n\n\n\n

Dlatego <\/span>znaczenie <\/span>ma <\/span>nie <\/span>tylko <\/span>formalna <\/span>zgodno\u015b\u0107 <\/span>dokumentacji, <\/span>ale <\/span>r\u00f3wnie\u017c <\/span>rzeczywisty <\/span>przebieg <\/span>transakcji <\/span>i <\/span>ekonomiczny <\/span>sens <\/span>podejmowanych <\/span>dzia\u0142a\u0144.<\/span><\/p>\n\n\n\n

Czy <\/span>pranie <\/span>pieni\u0119dzy <\/span>jest <\/span>realnym <\/span>problemem <\/span>w <\/span>codziennej <\/span>pracy <\/span>agenta?<\/span><\/h2>\n\n\n\n

W <\/span>mojej <\/span>kilkudziesi\u0119cioletniej <\/span>praktyce <\/span>zawodowej, <\/span>obejmuj\u0105cej <\/span>dystrybucj\u0119 <\/span>ubezpiecze\u0144, <\/span>organizacj\u0119 <\/span>sprzeda\u017cy, <\/span>zarz\u0105dzanie, <\/span>nadz\u00f3r <\/span>i <\/span>bezpo\u015bredni\u0105 <\/span>obs\u0142ug\u0119 <\/span>klient\u00f3w, <\/span>nie <\/span>spotka\u0142em <\/span>si\u0119 <\/span>z <\/span>przypadkiem <\/span>wykorzystania <\/span>po\u015brednictwa <\/span>ubezpieczeniowego <\/span>do <\/span>prania <\/span>pieni\u0119dzy.<\/span><\/p>\n\n\n\n

Nie <\/span>oznacza <\/span>to <\/span>jednak, <\/span>\u017ce <\/span>takie <\/span>zagro\u017cenie <\/span>nie <\/span>istnieje.<\/span><\/p>\n\n\n\n

Po\u015brednictwo <\/span>ubezpieczeniowe <\/span>nie <\/span>musi <\/span>by\u0107 <\/span>szczeg\u00f3lnie <\/span>atrakcyjnym <\/span>kana\u0142em <\/span>legalizowania <\/span>nielegalnych <\/span>\u015brodk\u00f3w. <\/span>W <\/span>por\u00f3wnaniu <\/span>z <\/span>innymi <\/span>obszarami <\/span>obrotu <\/span>finansowego <\/span>mo\u017cliwo\u015bci <\/span>wykorzystania <\/span>polis <\/span>mog\u0105 <\/span>by\u0107 <\/span>ograniczane <\/span>przez <\/span>charakter <\/span>produkt\u00f3w, <\/span>procedury <\/span>identyfikacyjne <\/span>i <\/span>kontrol\u0119 <\/span>przep\u0142yw\u00f3w <\/span>finansowych.<\/span><\/p>\n\n\n\n

Nawet <\/span>niska <\/span>ocena <\/span>ryzyka <\/span>w <\/span>okre\u015blonym <\/span>segmencie <\/span>rynku <\/span>nie <\/span>oznacza <\/span>jednak <\/span>jego <\/span>ca\u0142kowitego <\/span>wyeliminowania.<\/span><\/p>\n\n\n\n

Trzeba <\/span>r\u00f3wnie\u017c <\/span>pami\u0119ta\u0107, <\/span>\u017ce <\/span>korupcja <\/span>i <\/span>pranie <\/span>pieni\u0119dzy <\/span>s\u0105 <\/span>odr\u0119bnymi <\/span>zjawiskami, <\/span>cho\u0107 <\/span>w <\/span>pewnych <\/span>sytuacjach <\/span>mog\u0105 <\/span>by\u0107 <\/span>ze <\/span>sob\u0105 <\/span>powi\u0105zane. <\/span>Dotyczy <\/span>to <\/span>tak\u017ce <\/span>nieprawid\u0142owo\u015bci <\/span>zwi\u0105zanych <\/span>z <\/span>wynagrodzeniami <\/span>po\u015brednik\u00f3w <\/span>czy <\/span>nieformalnymi <\/span>korzy\u015bciami <\/span>uzyskiwanymi <\/span>przez <\/span>uczestnik\u00f3w <\/span>transakcji.<\/span><\/p>\n\n\n\n

Nie <\/span>ma <\/span>podstaw, <\/span>aby <\/span>zak\u0142ada\u0107, <\/span>\u017ce <\/span>tego <\/span>rodzaju <\/span>praktyki <\/span>s\u0105 <\/span>powszechne <\/span>w <\/span>dystrybucji <\/span>ubezpiecze\u0144. <\/span>Nie <\/span>nale\u017cy <\/span>jednak <\/span>wyklucza\u0107 <\/span>ich <\/span>wyst\u0119powania <\/span>wy\u0142\u0105cznie <\/span>dlatego, <\/span>\u017ce <\/span>nie <\/span>spotykamy <\/span>si\u0119 <\/span>z <\/span>nimi <\/span>w <\/span>codziennej <\/span>pracy.<\/span><\/p>\n\n\n\n

Procedury <\/span>nie <\/span>zast\u0105pi\u0105 <\/span>zdrowego <\/span>rozs\u0105dku<\/span><\/h2>\n\n\n\n

Przeciwdzia\u0142anie <\/span>praniu <\/span>pieni\u0119dzy <\/span>w <\/span>ubezpieczeniach <\/span>nie <\/span>powinno <\/span>ogranicza\u0107 <\/span>si\u0119 <\/span>do <\/span>formalnego <\/span>przestrzegania <\/span>instrukcji <\/span>i <\/span>potwierdzania <\/span>udzia\u0142u <\/span>w <\/span>szkoleniach.<\/span><\/p>\n\n\n\n

R\u00f3wnie <\/span>wa\u017cna <\/span>pozostaje <\/span>umiej\u0119tno\u015b\u0107 <\/span>oceny <\/span>ekonomicznego <\/span>sensu <\/span>transakcji, <\/span>konstrukcji <\/span>i <\/span>wysoko\u015bci <\/span>wynagrodze\u0144 <\/span>prowizyjnych <\/span>oraz <\/span>okoliczno\u015bci <\/span>wyboru <\/span>konkretnego <\/span>dystrybutora <\/span>lub <\/span>po\u015brednika.<\/span><\/p>\n\n\n\n

Warto <\/span>tak\u017ce <\/span>pami\u0119ta\u0107, <\/span>\u017ce <\/span>brak <\/span>okre\u015blonych <\/span>ustawowych <\/span>obowi\u0105zk\u00f3w <\/span>AML <\/span>w <\/span>zakresie <\/span>po\u015brednictwa <\/span>w <\/span>ubezpieczeniach <\/span>maj\u0105tkowych <\/span>nie <\/span>oznacza <\/span>ca\u0142kowitego <\/span>braku <\/span>ryzyka <\/span>gospodarczego <\/span>ani <\/span>mo\u017cliwo\u015bci <\/span>wyst\u0119powania <\/span>mechanizm\u00f3w <\/span>przest\u0119pczych.<\/span><\/p>\n\n\n\n

Najwi\u0119kszym <\/span>zagro\u017ceniem <\/span>mo\u017ce <\/span>by\u0107 <\/span>nie <\/span>tyle <\/span>brak <\/span>procedur, <\/span>ile <\/span>przekonanie, <\/span>\u017ce <\/span>samo <\/span>ich <\/span>istnienie <\/span>ca\u0142kowicie <\/span>eliminuje <\/span>ryzyko.<\/span><\/span><\/p>\n\n\n\n

I <\/span>w\u0142a\u015bnie <\/span>dlatego <\/span>o <\/span>praniu <\/span>pieni\u0119dzy <\/span>w <\/span>dystrybucji <\/span>ubezpiecze\u0144 <\/span>warto <\/span>nie <\/span>tylko <\/span>wiedzie\u0107, <\/span>ale <\/span>r\u00f3wnie\u017c <\/span>rozumie\u0107, <\/span>w <\/span>jakich <\/span>okoliczno\u015bciach <\/span>problem <\/span>mo\u017ce <\/span>pojawi\u0107 <\/span>si\u0119 <\/span>w <\/span>praktyce.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Czy agent ubezpieczeniowy mo\u017ce zetkn\u0105\u0107 si\u0119 z praniem pieni\u0119dzy? Mechanizmy AML, obowi\u0105zki dystrybutor\u00f3w, ryzyka i sygna\u0142y ostrzegawcze.<\/p>\n","protected":false},"author":3,"featured_media":1021,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,12],"tags":[],"class_list":["post-1009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prawo-i-regulacje","category-top-news"],"acf":{"audio":1018,"argos_url":"https:\/\/argos.ma-news.pl\/articles\/generated\/be48878c-60c9-4799-a4fb-a96d22901b1c"},"yoast_head":"\nPolisa mo\u017ce s\u0142u\u017cy\u0107 do prania pieni\u0119dzy. 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