The US government has named who it believes is the new head of Al Qaeda after the group’s former leader Aymenn Al Zawahiri died in a drone strike in Kabul on August 2.
Saif Al Adel currently resides in Iran, the US State Department said, supporting the assertion of a recent UN report that said Tehran was sheltering the militant.
“Our assessment aligns with that of the UN — that Al Qaeda's new de facto leader Saif Al Adel is based in Iran,” a state department representative said.
Iran and Al Qaeda have a contentious relationship. Iran says it does not support “terrorists”, but in August 2020 it was widely reported that the group’s second in command, Abdullah Ahmed Abdullah, was assassinated in Tehran.
Under the Donald Trump administration, secretary of state Mike Pompeo said Iran was the “new Afghanistan” for Al Qaeda militants. The group emerged in Afghanistan, from the Islamist resistance fighting against Soviet occupation forces in the 1980s.
Many analysts disputed Mr Pompeo’s claim, pointing to a flurry of arrests of Al Qaeda members in Iran in 2002 and the absence of strong evidence of co-operation.
Tehran also supported President Bashar Al Assad in Syria against an uprising that included elements of Al Qaeda and ISIS.
When a US-led coalition toppled the Taliban, who had sheltered Al Qaeda following the September 11 attacks in New York and Washington, Iran did not publicly oppose the move, former US ambassador Ryan Crocker said.
He called stabilising Afghanistan a “common interest” in a 2013 interview.
The UN report released on Tuesday said that the predominant view is that Al Adel is now the group's leader, “representing continuity for now”.
But the group has not formally declared him “emir” because of sensitivity to the concerns of the Taliban authorities in Afghanistan, who have not acknowledge that Al Zawahiri was killed by a US rocket in Kabul last year, the UN report said.
In addition, the UN report said, the Sunni Islamist Al Qaeda is sensitive to the issue of Al Adel residing in largely Shiite Iran.
“His location raises questions that have a bearing on Al Qaeda's ambitions to assert leadership of a global movement in the face of challenges from [ISIS],” the UN report said.
Al Adel, 62, is a former Egyptian special forces lieutenant colonel and figure from the old guard of Al Qaeda.
He helped build the group's operational capacity and trained some of the hijackers who took part in 9/11, the US Counter Extremism Project said.
He has been in Iran since 2002 or 2003, at first under house arrest but later free enough to make trips to Pakistan, said Ali Soufan, a former FBI counter-terrorism investigator.
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RESULT
Valencia 3
Kevin Gameiro 21', 51'
Ferran Torres 67'
Atlanta 4
Josip Llicic 3' (P), 43' (P), 71', 82'
Key changes
Commission caps
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.